The Texas legislature virtually outlawed rent-to-own schemes (unless drafted by an attorney) in 2006, because so many people lost their money. If you have a contract and want an attorney to check it out, I will introduce you to a good one. If you don't have a written contract, the Texas Statute of Frauds says essentially that no court can enforce a verbal agreement involving more than $2,500.
My experience with NACA is that they try to steer their clients to agents who will share their commission with NACA. That doesn't always get you the best agent available. Most REALTORS will do a no cost consultation with you, read your contract, and advise you as to your available options. We can't practice law, but most of us know good Real Estate Attorneys who will do the same for you if needed.
You can find out if you can qualify by contacting a quality lender and asking them to pre-approve you. Contact me for a list of names. By the way,that's one of the reasons rent-to-own schemes were stopped - people had 2 years or so to repair their credit, but they were unsuccessful in doing so, so their agreement expired and they lost all the money they had put into someone else's house.
You wouldn't risk your life by doing your own surgery, but people often make major financial mistakes by not getting qualified help. Don't do that to yourself.
Doc Stephens, REALTOR
Keller Williams Realty
NACA, as I understand it, is a consumer advocacy firm with a large number of attorneys involved. It seems they help fight predatory lending and offer some type of financing for folks with damaged credit. Beyond that, I cannot really comment intelligently on what they do, nor why you have worked with them for two years without results. In most cases, if folks pay their bills on time for two years, the credit would improve tremendously, without working with anyone at all. Are there outstanding judgements? Unpaid collections?
You would be well advised to talk to a great lender that could review your credit situation and give you an idea of where you stand today, and how to get to where you would like to be. Let me know if you would like me to review your situation! Jim
Best to you, Dunes