Emporium Black: Luxury Shopping Made Easy

Looking for an alternative to traditional catalog shopping sites?  Maybe you’d like to have the opportunity to choose from thousands of luxury items, but don’t want to pay astronomical interest rates?  Then you need to check out Emporium!  

Emporium Black is the only catalog shopping site that has adopted a sort of “Rent to Own” style that gives you the option to make monthly payments or pay only the cash price when you pay your order off within 60 days.  And the best part?  You can get almost anything on a “Rent to Own” basis!  From brand name furniture and top quality appliances to the latest gaming systems to fine jewelry, Emporium is THE luxury catalog shopping site on the internet.

Here are just a few of the benefits of opening an Emporium account today:

Brand Name Products: Emporium offers over 100,000 quality products in a number of categories, ranging from electronics to home furnishings to clothing and accessories.

Affordable Monthly Payments: When you buy something from Emporium, you’ll know up front what the monthly payment will be, and the date when it will be deducted from your checking account.

  • Your purchases up to $1,499, 90 Days Same as Cash. (95 Days for California Residents.)
  • Your purchases between $1,500 to $2,499, 6 Months Same as Cash.
  • Your purchases over $2,500, 12 Months Same as Cash.Early Payoff Discount: Emporium offers you the option to pay the cash price if your order is paid as shown:
  • After the periods shown, simply pay 50% of your remaining balance.

No Interest: Unlike other catalog shopping sites, there are no accumulating interest charges, your payment is set at the time of purchase.

No Fees: There are no fees of any kind associated with an Emporium account.

Easy Approval, Even for Less than Perfect Credit: Qualify in less than 60 seconds, even if your credit is less than perfect.

Get a Fresh Start on Your Credit:  Emporium is a great way to build or rebuild your credit simply by making payments on time.

No Long-Term Contract: You can return your product at any time after initial term or own your product after completion of your lease.  (The initial term is usually two months, although a couple of states have different requirements.)

What does it take to qualify for an Emporium account?

Emporium is actually designed for those with less than perfect credit, those who have little or no credit history, and those who typically do “rent to own” on a regular basis, and as such, it’s relatively easy to qualify for an account.  Here are the basic requirements:

  • Must have a verifiable monthly income of at least $1,500.
  • Must have an active checking account
  • Must be employed or receive retirement/pension or SSI/disability income
  • Must provide proof that you are 18 years of age or older

Once you’ve filled out the easy online application, Emporium will do a soft credit inquiry, which means you won’t have to worry about the it affecting your credit report, and you’ll have an answer within about a minute.  Spending limits with Emporium range from $300 all the way up to $5,000, depending on individual qualifications.  Once you’ve been approved, you simply place your order and it will ship immediately, usually arriving at your door within 5-7 days!  It really is that easy with Emporium.

So, if you’re looking for something a little different than your typical catalog shopping site, take a look at Emporium.  You won’t be disappointed!

 

Fingerhut is the Easiest Way to Build Credit

Fingerhut is undoubtedly the single most recognizable catalog retailer in the country! Who hasn’t gotten a dozen of their catalogs this year alone? But, did you also know that Fingerhut is also one of the easiest ways to build (or rebuild) your credit? That’s right, Fingerhut is one of the few companies that will actually give you the opportunity to get a fresh start on your credit. And, even though it’s mentioned in their offer that a Fingerhut account will actually help you to build your credit, do you know how having a Fingerhut account actually works with you to rebuild your credit?

Now, let’s talk about the ways that Fingerhut helps you to build credit that aren’t advertised:

  1. Making your payments on time, every time, typically improves your credit score!  Fingerhut regularly reports the status of your account to at least one of the three major credit bureaus.  This status includes the balance due on your account and if your payments are made in a timely manner, which is one of the most important parts of your credit score!  
  2. The amount of available credit that you have can significantly improve your credit score!  Fingerhut regularly reviews your account to see if you are making your payments in a timely manner, how much you’ve paid, etc., and if your account is in good standing, they may offer you a credit line increase of a couple hundred to even several hundred dollars!  That’s right, it’s been my experience that Fingerhut will significantly raise your credit limit the more that you use the account to purchase items and as long as you make regular, timely payments.
  3. Competitive Interest Rates!  Fingerhut offers an interest rate on purchases that is often equal to, or even lower than, other store/catalog sites and even many credit cards.  Especially if your credit is less than perfect, you are likely paying as much as 33% and even as high as 39% interest on some credit cards – a typical Fingerhut account will be in the mid to slightly up 20’s when it comes to your interest rate.
  4. No Annual or Monthly Fees!  Fingerhut does not charge a monthly or even an annual fee simply for having an account through WebBank.  Compare this with other store/catalog sites and most credit cards and you’ll see just what a benefit this is!
  5. Fingerhut offers brand name merchandise at reasonably competitive prices.  Yes, you may sometimes pay a little more than you would at your local big box or discount department store, but you will also find that you will oftentimes pay less than at other catalog/store sites, and even at some of your local retailers.  Ordering is fast, easy, and your order is shipped promptly… right to your door!

And finally, why do you really need a Fingerhut Credit Account issued by WebBank ?

PURCHASING ABILITY!  Too many times, people who have suffered through a bankruptcy, divorce, job loss, or other economic setback find that they can’t buy anything unless they have the cash to pay for it up front, and as much as we’d like to, we can’t always do that.  Think about all of the times that you might need credit… Christmas, birthdays, graduation, the start of a new school year, moving to a new home or apartment… the list goes on and on.  With a Fingerhut account, you’re able to purchase the things you want or need when you need them the most.  (And the best part is, you’ll be improving your credit when you do.)

So, go on… what are you waiting for?  

Find out instantly if you’re pre-approved with Fingerhut Credit.

Easiest Ways to Improve Your Credit Score

Looking for easy ways to improve your credit score?

Do you have bad credit?  Maybe you missed a couple of payments?  Maybe you’ve had a bankruptcy?  A foreclosure?   Lost your job, got a divorce, or worse? Believe me, I understand why anyone might need a quick way to improve their credit score… when I first started trying to improve my credit score, it was in the mid 400’s, and that is a very poor credit score.  In the beginning, it seems like it is hopeless… that you’ll never be able to climb out of the credit pit that you’ve fallen into, and you will be tempted to just give up and accept the fact that your credit score will always be bad… you’ll never get that new car, never own a home… never even have a decent credit card with a limit above a couple hundred dollars… Sounds familiar, doesn’t it?

Your credit doesn’t have to stay that way!  There are so many easy ways to raise your credit score!  With a little effort on your part, and by choosing the right credit options, you can improve even the worst credit score in a relatively short period of time.

How do you improve your credit score?

Basically, the easiest way to raise your credit score is to concentrate on those areas where your credit score has taken the worst hits.  Not sure of where that is?  First and foremost, you should know your credit score AND you should have a detailed credit report at hand to review in depth so that you can determine those areas where you can improve, those areas where your information is missing or inaccurate, and those areas where you really can’t do much more than to wait for them to drop off your credit report (typically seven to ten years).

These days there are lots of places popping up online that tell you that they will allow you to study your credit report for free, but before you sign up, make sure that it is a reputable site, one that not only gives you your credit score and report, but also offers credit monitoring, protection, etc., usually for a monthly fee.  Although you don’t necessarily have to use it at first, at some point, I highly recommend signing up for credit monitoring AND actually learning to use it!  The monthly fee is typically less than $25.00 to $30.00, but in the long run, that monthly fee is nothing when compared to the improvements that you can make simply by being able to see all of your credit information in one place ANY TIME you want to see it.  (Those free places only allow you to see a small amount of information on a monthly or even quarterly basis – if you’re serious about improving your credit, that is not nearly enough!)

Believe me, you will want to check all three credit bureaus regularly because your score can be very different at each one, and when you dispute something at one credit bureau, you will have to dispute it at all three because they don’t share much, if any, information!

Once you’ve signed up, and have had the opportunity to study the information contained within your credit report, then you can begin to improve it, first by reporting any inaccuracies (disputing is easy – you just submit it online!), and then by working on two other key items:

  1. Available Credit
  2. Payment History

These two simple components of your credit score are also the two easiest components that you can easily improve and they’re also two of the most important factors in the calculation of your credit score, so let’s start with what you can do to improve them!

Easy ways to improve your available credit and your payment history!

One of the fastest, easiest ways to improve your available credit is to pick the right credit source, apply for a credit account, and then keep the majority of your available credit balance open on the card.  But what if you can’t qualify for any credit cards?  Will a single $300.00 available credit balance be enough to really improve your score?  That depends.  If you have no credit history, having an open $300.00 line of available credit will certainly help your score.  But, if you’re actually trying to improve on a bad credit score, there is an easier way.

“Store” or “catalog” credit cards are the easiest credit cards to get, especially if you have bad credit – and yes, before you ask, some of those credit “cards” are better than the others when it comes to improving your credit score.  (Not only has this been my personal experience, but that of millions of other Americans, as well.)  So, what’s our recommendation for the easiest store/catalog credit card to get approved for?

Fingerhut is the easiest store/catalog account to get approved for!

Not an Access Card

That’s right, Fingerhut is the easiest store/catalog account to get approved for, and it’s also the best store/catalog account to use when you’re trying to improve bad credit.  Why do we recommend Fingerhut?  Well, lets start with the features Fingerhut say that you can expect when you open a Fingerhut account:

Find out instantly if you’re pre-approved with Fingerhut Credit Account issued by WebBank.

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • With a WebBank/FingerHut Credit Account, buy favorite brands with low payments.*
  • Apply for Fingerhut Credit today. Fill out our easy online application.

Now, here are the benefits that Fingerhut doesn’t tell you about:

  • Fingerhut regularly reports the status of your account to at least one of the three major credit bureaus.  This status includes not only the balance due on your account and if your payments are made in a timely manner, but they also report your available credit, and that’s what we’re trying to improve.
  • Fingerhut regularly reviews your account to see if you are making your payments in a timely manner, how much you’ve paid, etc., and if your account is in good standing, they may offer you a credit line increase of a couple hundred to even several hundred dollars!  That’s right, it’s been my experience that Fingerhut will significantly raise your credit limit the more that you use the account to purchase items and as long as you make regular, timely payments.  And that significant credit limit can also significantly improve your credit score!
  • Fingerhut offers an interest rate on purchases that is often equal to, or even lower than, other store/catalog sites and even many credit cards.  Especially if your credit is less than perfect, you are likely paying as much as 33% and even as high as 39% interest on some credit cards – a typical Fingerhut account will be in the mid to slightly up 20’s when it comes to your interest rate.
  • Fingerhut does not charge a monthly or even an annual fee simply for having an account through WebBank.  Compare this with other store/catalog sites and most credit cards and you’ll see just what a benefit this is!
  • Fingerhut offers brand name merchandise at reasonably competitive prices.  Yes, you may sometimes pay a little more than you would at your local big box or discount department store, but you will also find that you will oftentimes pay less than at other catalog/store sites, and even at some of your local retailers.  Ordering is fast, easy, and your order is shipped promptly… right to your door!
  • Check out Fingerhut.com now to see how fantastic their site really is!

Still think it isn’t easy to improve your credit score?  

It’s far easier to improve your credit score once you actually get started.  My low credit score kept me from so many things… but once I really started studying my credit report, once I removed the inaccuracies, and once I made a real effort to improve my score, it didn’t take near as much time as I thought it would… and improving my score not only helped me to purchase a new car at a low interest rate, but two years ago, I bought my first house!

What are you waiting for?  Get started today!

Easiest Fresh Start Card for Service Members

In the Armed Forces? Need an easy way to get a fresh start on your credit?

We all know that our service members are rarely paid what they’re worth, and it’s really easy to get behind on your bills when you’re deployed, when you transfer to another base, or in the event that you have an unexpected expense.  And that can affect your credit in a big way!  Not only is it hard to catch up, but when you do, it’s really hard to repair bad credit.

Why is it so hard to repair your credit?  Because no one will give you credit!

If that’s the case, then your best bet is to get a secured credit card and establish a pattern of paying your bills on time, every time.  That way, your payments are reported to the major credit bureaus, and over time, your credit will recover.

If you’re a retired or active duty service member, or a qualified family member, the easiest way to do that is to get a USAA Secured Card® American Express® Card.  The USAA Secured Card® American Express® Card is not just a prepaid card – it is an actual credit card, with great benefits, and an excellent track record for helping members of the Armed Forces to rebuild their credit rating!

USAA Secured Card® American Express® Card

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.

Apply Now!