Chris asked:


Twice I used this particular retailer for larger household items because of their finance options. They are NOT a rent-to-own financier, and the finance contracts I had with them state that they do report good and bad to all three credit bureaus.

Once I was done paying for the first item I bought from them (a couch), I checked my credit to see if they posted anything positive and I saw that they didn’t so I went to their store talked to one of the store manager who reassured me that they would take care of the problem. During the same visit, I purchased and financed another large item (washer and dryer set), and it is also paid off, and again, nothing reported on my credit for either item.

What legal actions can I take against this retailer? I’m largely in the market to improve my credit and that is a very big deciding factor when I make purchases, and this retailer has failed to deliver, even though it’s in the contract.

Tim

Fawad asked:


Once by the original creditor and then by the collection company?….keep one thing in mind that the statue of limitation is 3 years on credit card collection(Alabama) and the original debt is in default since 2001.
I think it is not legal becuase If I owe $$ to Credit card and they sell their account to collection agency, which later sells it to another collection agency, how this second collection agency report that very same debt to credit bureau, when it is already been reported once?
Please advice with web link, phone # where I can ask to get this concern answered….I already check FTC.gov but could not find answer to this specific question.

Suzanne