Mustanglvr,

I didn't mean to be critical of your answer but reading it after the fact it reads like I was. Please accept my apology.

Your answer is correct in the meaning of the word in general. I made an assumption based upon the question being in the "Understanding FICO Scoring" forum.

I was referring to the FICO specific negative when your credit report contains "consumer finance" accounts. FICO seems to have chosen a very narrow meaning of the term.