TU says I have a consumer finance account. I do have CCs from Capital One and Orchard Bank (HSBC)...I know those aren't the best cards or anything, but I'm at 9% util, so that's good. Anyway, when I look at my reports, every account is listed as revolving or installment...no consumer finance accounts. Is it just counting my Capital One or Orchard as a Consumer Finance Account? How would I find this out?