My husband and I moved our family to Springdale in September of 2014. We were starting from nothing so we went to Ashley’s Furniture to get our house set up. We went into the store with a 630 credit score. We were not approved for the Ashley’s store credit line. They then began telling us about the RAC program which has higher interest rates and monthly payments but will build our credit so when we are done with it we can get a credit line through Ashley’s. After agreeing to do the RAC program, we chose 2 bedroom sets totaling 2700.00. The payments were an outrageous 275.00 a month including insurances and such. We then waited 2 weeks for the furniture to arrive. When it did, and after setting it all up, we realize that instead of the really nice and sturdy set up we had seen in store we now had these unbelievably cheap and raggedy bedroom suits! We decided to make the payments anyway just to help our credit. After 8 months of making payments we discussed with the people at the RAC program about early payoff so we can get out from under these expensive payments. They told us that all it takes is 3 months of payments to raise our credit score and since we never missed or made a late payment we were good to go. So I payed off the furniture in full and waited for it to report to my credit bureaus. A month later it cleared my credit…and we were appauled. My beginning score that I had been working so hard to raise and had gotten to a 630..was now a whopping 520!!! I was outraged!!! Thanks to their lies about boosting credit I am now in the red on my credit scores and have p.o.s furniture. .
This complaint and/or review was posted on HolySmoke.org on 03:15 am, June 02, 2018 (CST) and is a permanent record located at: https://www.holysmoke.org/scam/ashley-furniture-review/.
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