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?