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Equifax is reporting "You have a consumer finance account on your credit report" as a factor in my FICO5 score but I don't see anything that could even possibly be it:
Revolving/Open Ended:
Capital One Bank Usa
Loan Type: Credit Card
Capital One Bank Usa
Loan Type: Credit Card
Merrick Bank(Closed)
Loan Type: Credit Card
Citicards Cbna(Closed)
Loan Type: Credit Card
Installment:
Us Dept Of Ed/Glelsi
Loan Type: Student Loan
Us Dept. Of Educatio (Closed)
Loan Type: Student Loan
Us Dept Of Ed/Glelsi(Closed)
Loan Type: Student Loan
Hyundai Motor Financ(Closed)
Loan Type: Vehicle Loan
Mechanics Bank Fka C (Closed)
Loan Type: Vehicle Loan
Cig Financial (Closed)
Loan Type: Vehicle Loan
Nelnet Loan Services(Closed)
Loan Type: Student Loan
Nelnet Loan Services(Closed)
Loan Type: Student Loan
Us Dept Of Ed/Glelsi(Closed)
Loan Type: Student Loan
Dept Of Ed/Navient(Closed)
Loan Type: Student Loan
Dept Of Ed/Navient(Closed)
Loan Type: Student Loan
Nelnet Loan Services(Closed)
Loan Type: Student Loan
Nelnet Loan Services(Closed)
Loan Type: Student Loan
Nelnet Loan Services(Closed)
Loan Type: Student Loan
Northwest Airlines F(Closed)
Loan Type: Student Loan
U S Department Of Ed(Closed)
Loan Type: Student Loan
Mortgage:
none
Other:
none
OK, so - I've found a discrepency. For Equifax,
from myFICO 3B it shows: Hyundai Motor Financ loan type Auto Loan
But from the annualcreditreport i pulled it shows loan type Auto Lease
TU matches up. Never got reported to EX.