Easiest Way to Raise Your Credit Score

Have you had a financial setback? Maybe you need to raise your credit score? Maybe you don’t have much of a credit history and need to establish one?

Believe it or not, opening a Fingerhut Credit account is one of the fastest, easiest ways to re-establish your credit once you’ve had financial difficulties and it’s a great way to build credit when you have none. Unlike other creditors, Fingerhut typically approves most people for an initial credit line of approximately $300.00 (or more), and in the rare event that you aren’t approved, Fingerhut even has a special program called the “Fingerhut Fresh Start” program where you may still qualify for an account.

How does opening a Fingerhut help your credit score?

Actually, opening a Fingerhut account helps your credit score in several ways – first and foremost, when no one else will extend credit to you, the ease of opening a Fingerhut account makes it easy to start improving your credit score. Then, once you’ve got your account, having “available credit” helps your credit utilization score, and your regular payments helps re-establish your payment history. (Fingerhut reports your available credit and payment history to the credit bureaus every month.) Even better, over time you’ll see regular credit limit reviews (and possibly sizable increases), and special financing deals on things like electronics, furniture, and large appliances (no interest deals, deferred payment deals, and more).

How long does it take to open a Fingerhut account?

Opening a Fingerhut Credit Account issued by WebBank is as easy as entering your name and address and find out right now. That’s right, just answer a couple of simple questions, get an instant decision, and you can place your first order today!

What can you buy at Fingerhut?

Unlike most catalog shopping sites, Fingerhut offers hundreds of thousands of name brand products in categories like clothing, shoes, electronics, sporting goods, toys, computers, gaming systems, furniture, appliances, and more!

So, what’s stopping you?  Are you ready to improve your credit score?

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!

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!

The Easiest Way to Get A Fresh Start!

Get a fresh start on your credit before school starts!  Even though school has just dismissed for the summer, you should already be thinking about all those back to school expenses.  You know the ones…new clothes, faster computers, and all of the things it will take to send a child off to college come fall. Most parents spend several hundred dollars getting just one child back in school each year, but if you have more than one child, it can get really expensive.  And then, before you have the opportunity to recover from back to school expenses, it’s time to worry about how you’ll pay for Christmas!

It’s really hard to come up with the cash to pay for school clothes, those new sneakers he or she need for school sports, the new computer you’ve been putting off buying, or all the gifts that you have to buy come December, especially if your credit is less than perfect.

So why am I writing about this offer now?  The answer to that question is really simple. If you get a FreshStart on your credit now, and you use it responsibly, you’ll be ready later in the year when all those expenses roll around…and you won’t be frantically trying to figure out a way to pay for everything.

Fingerhut is a great way to:

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • Are you pre-approved for Fingerhut Credit? Enter your name and address and find out now.
  • Apply for Fingerhut Credit Account issued by WebBank today. Fill out their easy online application.

Apply Now!

Easiest Way to Save with Fingerhut!

Just when you think the deal can’t get any better, Fingerhut Credit is now offering a promo code that will save you $50 off your first order of $200 or more!

Especially if you’ve got less than perfect credit, it is really hard to get the things you want or need without some type of credit, somewhere.  Fortunately, Fingerhut Credit is tailor made for those of us with less than perfect credit!

Just look at what a Fingerhut Credit Account issued by WebBank can do for you:

  • Shop over 500,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments(1) with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC286
  • (1)If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit

Apply today:

Easiest Way to Christmas Shop With No Money

If you’re like a lot of people, you don’t have a lot of money to spend on Christmas this year (or any year).  If you’re wondering how you’ll find the money to get Christmas gifts, here’s a great idea!  

Did you know that most people get approved instantly with Fingerhut? Even people with less than perfect credit?

The Fingerhut Fresh Start Program works like this:

  • Start by filling out a Fingerhut Credit Account issued by WebBank application to open an account (most people start out with $250.00 credit).
  • Shop online and make a purchase between $50.00 and your total credit limit.
  • Make your first payment of $30.00 when the order is placed. Once the payment is cleared, your order ships.
  • Make 6-8 regular payments (on time) and pay off the purchase.
  • When the balance is paid off, your account is converted to a revolving Fingerhut charge account, which means you’re eligible for credit line increases, and you can take advantage of the full line of buying options for every purchase you make, including deferred payment plans, low monthly payments, and a very reasonable monthly APR.

AND Fingerhut ships your order fast… so, there is still time to have a Fingerhut Fresh Start Christmas this year!

 

 

The Easiest Way to Get Credit for Christmas

If you’re like most people, you’re already wondering how you’ll ever afford to buy Christmas gifts this year!   Unfortunately, Christmas is one of the most stressful times of year simply because it costs so much money and most of us just don’t have that kind of extra cash to spend.

Gift giving is just one of the many reasons why opening a Fingerhut credit account can be a real lifesaver when it comes to Christmas shopping and, unlike most credit cards, you won’t have to worry about the balance when you get the first bill.

Why?  One of the things you’ll love about shopping at Fingerhut is that not only will you see the full purchase price of the item, but you will also see the monthly minimum payment amount that you’ll need to make when you order.

For example, if you were to order a video game console, then you would see the full purchase price AND the monthly payment amount. I’ve ordered a couple of things this way, and it works out really well for me.

Essentially, this gives you two ways to shop – you can pay off the entire bill at once OR you can do your Christmas shopping now, all the while knowing in advance what you’re spending and how much the monthly payment will be when you get the bill.  (No January surprises!!)

The other thing that you will really like about Fingerhut is this – they have lots of NO INTEREST deals throughout the year, so if there’s a larger purchase that you want to make you can order it during one of these promotions, pay it off before the expiration of the NO INTEREST deal, and save money.

Not sure you’d be approved if you applied?

Not only are the majority of people who apply for a Fingerhut Credit Account issued by WebBank instantly approved, but Fingerhut even has a “Fresh Start” program that can help you get your credit score back on track!

The Fingerhut Fresh Start Program works like this:

  • Start by filling out a credit application to open an account (most people start out with $250.00 credit).
  • Shop online and make a purchase between $50.00 and your total credit limit.
  • Make your first payment of $30.00 when the order is placed.  Once the payment is cleared, your order ships.
  • Make 6-8 regular payments (on time) and pay off the purchase.  (This is why we’re talking Christmas in July – there’s still time to get your credit set for this Christmas!)
  • When the balance is paid off, your account is converted to a revolving Fingerhut charge account, which means you’re eligible for credit line increases, and you can take advantage of the full line of buying options for every purchase you make, including deferred payment plans, low monthly payments, and a very reasonable monthly APR.

The best part is – Fingerhut reports your regular payments AND your credit line to major credit bureaus.  This helps your credit in two different ways:

1. You build a history of regular payments with Fingerhut.

2. They report your “available credit” thereby showing or increasing the amount of credit shown as “available” on your credit report.  (This decreases your credit utilization if you’re not using the full amount available to you.)

Think Fingerhut might be the way for you to improve your credit?

Fingerhut FreshStart & Christmas (in July)

Christmas in July?  No, this isn’t one of those sales gimmicks, either…this is a legitimate way to start planning how you’re going to pay for this year’s Christmas gifts!

If you’re like most people, you don’t have a lot of extra money during the year to put back for Christmas gifts…besides, it’s so far off, right?  Wrong.  Christmas is actually only five months away, and now is the time to start planning this year’s budget.

Well, here’s an idea for you – especially if your credit is a little tarnished.  Why not start rebuilding your credit today with the Fingerhut FreshStart Program so that you may actually be able to shop this December?

How’s that going to work?  Well… actually it may be easier than you think.  With Fingerhut’s FreshStart Program, you can get up to $250.00 credit now, and once you pay the initial purchase off, the account is converted to a revolving charge account… just in time for the Holidays!  Want to know more?

What is the Fingerhut FreshStart Program?

Essentially, the Fingerhut FreshStart Program was set up specifically for people who often can’t get credit any other way.

How do you enroll in the FreshStart Program?

It’s pretty simple:

  • Start by filling out a brief credit application, and once you’re approved, open an account (most people get approved and usually start out with $250.00 credit).
  • Shop their online store and charge something between $50.00 and the total amount of credit available to you.
  • Make a one time “down payment” of $30.00 when you place your order.  Once your $30.00 payment is cleared, Fingerhut ships your order.
  • Then, you simply make 6-8 regular payments (on time) until you pay off the purchase.
  • Once the original purchse is paid off, your account is then converted to a revolving Fingerhut charge account.  This means you’re eligible for credit line increases, and you can take advantage of the full line of buying options for every purchase you make (including deferred payment plans, low monthly payments, and a very reasonable monthly APR).

Even better, Fingerhut reports these regular payments AND your initial (and increasing) credit line to major credit bureaus.  This actually helps you build your credit by:

1. Reporting a history of regular payments with Fingerhut.

2. They report your “available credit” thereby showing or increasing the amount of credit shown as “available” on your credit report.  (This decreases your credit utilization if you’re not using the full amount available to you.)

Why not consider Fingerhut as the easy way for you to improve your credit?

Rebuilding Your Credit is Easy with Fingerhut FreshStart!

Got Bad Credit?  Got No Credit?  We’ve got a way that you can start rebuilding (or building) your credit TODAY!

One of the absolute easiest credit cards to get approved for is what’s often referred to as a “store” credit card.  But, did you know that these cards can also be one of the best ways to build or rebuild your credit?  It’s true – all you have to do is find one that reports to at least one of the major credit bureaus, and you can start rebuilding your credit now.

Fortunately for you, we’ve found one of the best “store” credit cards out there,  and we’d like to introduce you to Fingerhut’s FreshStart Program, and it’s designed for people just like you who need to work on their credit.

What is the Fingerhut FreshStart Program?

Essentially, the Fingerhut FreshStart Program was set up specifically for people who often can’t get credit any other way.

How do you enroll in the FreshStart Program?

It’s pretty simple:

  • Start by filling out a brief credit application, and once you’re approved, open an account (most people get approved and usually start out with $250.00 credit).
  • Shop their online store and charge something between $50.00 and the total amount of credit available to you.
  • Make a one time “down payment” of $30.00 when you place your order.  Once your $30.00 payment is cleared, Fingerhut ships your order.
  • Then, you simply make 6-8 regular payments (on time) until you pay off the purchase.
  • Once the original purchse is paid off, your account is then converted to a revolving Fingerhut charge account.  This means you’re eligible for credit line increases, and you can take advantage of the full line of buying options for every purchase you make (including deferred payment plans, low monthly payments, and a very reasonable monthly APR).

Even better, Fingerhut reports these regular payments AND your initial (and increasing) credit line to major credit bureaus.  This actually helps you build your credit by:

1. Reporting a history of regular payments with Fingerhut.

2. They report your “available credit” thereby showing or increasing the amount of credit shown as “available” on your credit report.  (This decreases your credit utilization if you’re not using the full amount available to you.)

Why not consider Fingerhut as the easy way for you to improve your credit?