PLEASE I AM BEGGING YOU, DO NOT USE RAC! THERE ARE OTHER PLACES TO GO WITH LESS THAN PERFECT CREDIT.
In 2012, I entered into 2 separate contracts with RAC. One at a Conns and one at an Ashley's furniture. I paid on the furniture and other electronics for a few months and then when I saw just has costly the merchandise was and how rarely I used the stuff, I made arrangements to return everything. I spoke with Justin at Rac in Conns in Lewisville, TX and with Jerry in the Ashley's furniture in N Richland Hills, TX. They both told me that I could return it with no penalty as it was rent to own. My contract also states that I can voluntarily return the merchandise with no penalty. Well, lo and behold RAC has charged these 2 accounts off on my Experian credi report in an amount totaling almost $8,000. And to make it worse I was denied an apartment this weekend because RAC came up as a red flag. This is horrible! I should have done more research on this company and read the multiple scam reports before I got into bed with them. I am looking in a contracts lawyer to have them review my contract to determine if this is legal.