⭐ S&M Furniture Inc – Credit Reporting & Financing Information
Applies to: S&M Furniture Inc & DecorationPath.com
Effective Date: 06/01/2025
Last Updated: 09/01/2025
Business Address:
3507 Sunnyvale St, Dallas, TX 75216
❤️ Thank You for Choosing S&M Furniture Inc
We appreciate every customer who shops with us—whether online at DecorationPath.com or in-store.
If you choose to use our in-house financing, we want everything to be easy to understand, transparent, and stress-free.
This page explains:
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How our financing works
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What we may report to credit bureaus
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How you can dispute something if you think it’s wrong
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How we protect your information
Our goal is to help you furnish your home comfortably and confidently.
🛋️ 1. About Our Financing Options
S&M Furniture Inc offers two types of financing:
⭐ In-House Financing (Offered Directly by Us)
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Approvals are based on a combination of creditworthiness, employment stability, income, and our internal guidelines
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A credit check may be used
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You’ll receive a decision within 24 hours
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Payments will be made directly to S&M Furniture Inc
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Payments are handled through an invoice we send to your email
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No “Pay in 4” options are available
This policy applies only to our in-house financing.
⭐ Third-Party Financing
Some customers choose third-party lenders available during online checkout.
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These lenders process your financing separately
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They handle your payments, reporting, and account servicing
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S&M Furniture Inc does not report information for third-party financed orders
📝 2. Will My Payments Be Reported to Credit Bureaus?
For customers who use in-house financing, S&M Furniture Inc may report your account information to one or more credit bureaus.
If reporting is active, we may share:
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When your account was opened
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Your financed amount
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Your payment history (on-time and late payments)
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Your balance
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Your account status (open, closed, paid off, etc.)
If your account will be reported, it will be clearly stated in your financing agreement.
🛡️ 3. The Information We Collect
To evaluate your application and, if applicable, report your account accurately, we may collect:
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Your name
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Address
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Date of birth
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Contact information
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Employment and income information
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Social Security Number (full or last 4 digits)
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Your payment activity
This information helps us verify your identity, process your financing, and correctly match your account with credit bureaus.
✔️ 4. Our Commitment to Accurate Reporting
We take accuracy seriously.
If we report your information:
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We work hard to ensure everything is correct
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We update information promptly
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We fix any errors quickly
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We follow federal rules to keep your information accurate and secure
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We retain records as required
If something ever looks wrong, we’re here to help you fix it.
📣 5. How to Dispute Something on Your Credit
If you believe information we reported is incorrect, you have the right to dispute it.
We’ll investigate every dispute fairly and promptly.
💬 You can contact us at:
Email: finance@smfurnitureinc.com
Mail:
S&M Furniture Inc
Attn: Credit Reporting Disputes
3507 Sunnyvale St
Dallas, TX 75216
To help us investigate, please include:
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Your full name
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Current address
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Account number (if available)
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A clear description of what you believe is incorrect
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Any documents that support your dispute
⏱️ What happens next?
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We’ll review your information and our records
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We’ll notify any credit bureaus that received the information
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We’ll complete our investigation within 30 days
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We’ll let you know the results in writing
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If something needs to be corrected, we’ll fix it with all applicable credit bureaus
Your peace of mind is important to us.
🔐 6. How We Protect Your Information
Your personal information is kept secure using:
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Encrypted systems
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Limited employee access
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Secure storage and disposal methods
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Ongoing data protection practices
We do not sell your personal credit information.
We only share it when required to service your account or comply with the law.
📁 7. How Long We Keep Your Records
We keep your account records for at least seven (7) years after your account is closed, as required by law.
💵 8. Understanding Late Payments
To help you stay on track:
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A payment is considered late if it is not received by the due date on your invoice
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A payment becomes “30 days late” only if it remains unpaid for 30 full days after the due date
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Additional stages (60, 90, 120 days late) may follow
These timelines matter if your account is being reported to credit bureaus.
💳 9. Making Payments
⭐ In-House Financing Payments
You can pay your invoice:
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Online (via the secure link we send)
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In-store
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By mail
If mailing payments, please allow extra time for postal delays.
⭐ Third-Party Financing
If you chose a third-party lender, all payments must be made through that lender.
📜 10. Your Rights Under the Fair Credit Reporting Act (FCRA)
The FCRA gives you the right to:
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Receive a copy of your credit report
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Dispute information you believe is inaccurate
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Receive results of a dispute
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Have corrected information updated with the credit bureaus
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Exercise your rights without retaliation
We fully support and respect these rights.
👥 11. Our Team & Training
Our staff members who handle financing and reporting receive regular training on:
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Credit reporting rules
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Accuracy standards
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Your rights as a consumer
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How to protect your information
This helps us serve you better and keep your information safe.
🔄 12. Changes to This Policy
We may update this page when needed to keep up with changing laws or business practices.
Any important changes will be posted on DecorationPath.com.
💛 Thank You for Trusting S&M Furniture Inc
We’re committed to offering honest, clear, and helpful financing options to support your home furnishing needs.
If you ever have questions about your financing or how credit reporting works, we’re always here to help.