Consumer Finance Account

[dragontears]

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@Girlzilla88 wrote:

@dragontears    I was just stating they should be able to notice how it is reflected for them personally, not that everyone is the same but if it was put that way they should be able to deduce it since I am 9/10 sure which ones are mine based on how they were sorted/reported.   

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That is my point, there is NOTHING on your reports that indicates that a specific loan will be coded as a CFA. CFA are not grouped differently than other loans. 

For some with only 1 loan it is easy but for people with multiple loans (especially personal and/or auto loans) it is a guessing game as to figure out which loan(s) are being counted as a CFA. 

[Girlzilla88]

@dragontears        Mine Literally says United Consumer Financial Service loan type Unknown and on my other two it says OTHER on MyFICO if that is not a clear statement I don't know what is since it says it in the name XD.        and is under Personal Account and Other Account on my EX they are the only 3 that are not under Auto, Real Estate, and Credit Card and I have 3.      There is a way to figure it out you just have to be smart :3

[Anonymous]

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@Girlzilla88 wrote:

@dragontears        Mine Literally says United Consumer Financial Service loan type Unknown and on my other two it says OTHER on MyFICO if that is not a clear statement I don't know what is since it says it in the name XD.        and is under Personal Account and Other Account on my EX they are the only 3 that are not under Auto, Real Estate, and Credit Card and I have 3.      There is a way to figure it out you just have to be smart :3

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"United Consumer Financial Service"  is  just the name of the company.   Not many companies put "Consumer Financial" in their name. And  it  does not imply that  it actually codes as  "Consumer Finance Account"  (but probably it does).

[dragontears]

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@Anonymous wrote:

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@Girlzilla88 wrote:

@dragontears        Mine Literally says United Consumer Financial Service loan type Unknown and on my other two it says OTHER on MyFICO if that is not a clear statement I don't know what is since it says it in the name XD.        and is under Personal Account and Other Account on my EX they are the only 3 that are not under Auto, Real Estate, and Credit Card and I have 3.      There is a way to figure it out you just have to be smart :3

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"United Consumer Financial Service"  is  just the name of the company.   Not many companies put "Consumer Financial" in their name. And  it  does not imply that  it actually codes as  "Consumer Finance Account"  (but probably it does).

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This

There have been many cases of auto loans coding as a CFA even though it was a 0% APR through a captive lender (Ford, Honda, etc.)

But in the end it is still a molehill....