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.