I walked in to Conn's with credit around the 550 mark. I compared pricing on Televisions at every major store. I found a deal here on a Samsung 4k TV that was the exact same pricing at Wal-Mart and Best Buy. If you do your homework, they actually do have some good deals here. I was approved for about $5000, but I only spent about $750. With interest the TV ended up being $950 over about 24 months. I paid it off in about a year. I made all of my payments early or on-time and avoided any annoying phone calls or late fees. I would recommend anyone doing a little bit of research before they walk into the store, and know what product or purchase range you would like to be in so that you land a good price. Salespeople are pretty aggressive in Conn's (I'm guessing because of the commissions), but it's a great way to build credit, and finance furniture, appliances, or electronics if you have poor credit. I would advise everyone to keep up with payments, because from everything I read, they aggressively pursue you when you're late on payments. Most of the negative feedback I read before walking into Conn's was centered around harrassment for late payments. Personally, I had no issues at all with Conn's because I made every payment on time.
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You can get easily approved for these and buy a new surround system or washer/dryer etc. and it will help with your credit...HOWEVER--the hidden fees are pretty ridiculous and if you're even a day behind on your payment, they will harass you NON-STOP. I'm pretty good at paying my bills on time, but no joke, they called me 17 times while I was on vacation one weekend...because I forgot to pay the $22 minimum bill payment. I repeatedly asked them to stop calling me and got nothing but rude, aggressive reps. Never had such stress and turmoil in all my credit history! lol. Not worth the hassle. You're better off at IKEA.
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