No. Consumer finance accounts can have a negative impact but none of your examples are such.
See:http://www.myfico.com/crediteducation/w ... score.aspx
It doesn't cover everything and doesn't mention consumer finance accounts but the creditor generally doesn't matter.
DJB10315c wrote:Does the lender affect credit reports?
DJB10315c wrote:does the lender/issuer have any affect on credit scores?
Don't conflate reports and scores.