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?

Fingerhut’s Christmas Shopping Catalog

Do you remember the Fingerhut Christmas Catalog?

Remember how excited you were to see it in the mailbox?

Back when we were growing up, nearly every store sent out catalogs around the holidays… Sears had the Wish Book, Penney’s sent out their Christmas catalog, and Fingerhut would send theirs!  As kids, we’d actually argue over who got to look at them first… who got to dream about finding one of the thousands of gifts under the tree on Christmas morning…

Of course, times have changed since then… there aren’t nearly as many catalogs in the mailbox because most everyone does their shopping online these days.  Sadly, some of the old catalog merchants are long gone… but not Fingerhut.  Fingerhut has not only stood the test of time, but they’ve grown, adapted, and established a solid presence in the online shopping world.

Just like that irresistible, stunning Christmas catalog from years ago, Fingerhut’s website draws you in with popular, name brand merchandise at highly competitive pricing… everything from clothing to jewelry to electronics to home furnishings!  At prices you can afford – even better, the prices are spelled out for you.  You’ll see the cash price AND how much you’ll need to pay every month for everything on the site.

Bad credit?  Not a problem with Fingerhut!  

Fingerhut works with those of us with a less than perfect credit score… and in the event that you don’t qualify for the normal Fingerhut installment account?  Fingerhut even has a “Fresh Start Program” that will give you the credit you need and help you to improve your credit score!

So, go ahead… get your Christmas shopping done at Fingerhut today!

Easy Ways to Rebuild Credit After Bankruptcy

Looking for easy ways to rebuild your credit score after a bankruptcy?

There are lots of ways to rebuild your credit score after bankruptcy.  One of the easiest and least expensive ways that I’ve seen is to open an account with a store/catalog sales site like Fingerhut.

How will Fingerhut help your credit score after bankruptcy?

Unlike a lot of store/catalog sites, Fingerhut actually has what’s called the FreshStart program, and it’s specially designed for people with bad credit.  Even if you don’t qualify for a regular revolving credit account with Fingerhut, you may still qualify for the FreshStart program.

What is the Fingerhut FreshStart program?

Fingerhut’s FreshStart program is a special type of account where you place an order and then make what is essentially your first payment on the account. Fingerhut will then ship your order and you’ll continue to make payments on the balance. Eventually, if you make timely, regular payments on the account, your account may be considered for conversion to a revolving charge account, and over time you will likely see your available credit increase.

The Fingerhut FreshStart program can help your credit in two ways:

  1. Your timely, regular payments will be listed on your credit report, thereby helping you to start to rebuild your payment history.
  2. Your available credit will be reported as well, and in the event that your credit limit is increased, that will also be reflected. Just make sure that you keep your “available credit” around 75% of your total credit limit, because that is a very important factor in calculating your credit score.

And finally, there is another reason to consider Fingerhut – buying power!

Let’s face it, when you have no credit, it’s really hard to buy anything.  Luckily, Fingerhut offers a great selection of name brand merchandise at highly competitive prices, and the prices are listed two ways on their website – the full price is shown AND they show you the monthly payment amount, so you know how much you’ll have to pay each month before you buy.

Think a Fingerhut Credit Account issued by WebBank
might be the right choice for you?

(Trust me, you’ll LOVE the selection & the prices at Fingerhut!)

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?