Month: May 2016

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!

What’s the easiest way to get a fresh start on your credit after filing bankruptcy?

Typically just before you file bankruptcy, your credit score bottoms out, you don’t have a lot of money on hand, and no one will extend any kind of credit to you. Then, you file and although your debt is instantly erased, your credit score takes an even bigger nosedive.  You already know that it will take years to recover, but did you know that there are ways to start improving your credit score as soon as the bankruptcy is finalized?

One of the easiest ways to re-establish your credit after bankruptcy is to open a secured credit card account.

With a secured credit card, there is usually no question whether or not they will open the account – you’ll just need the security (deposit) that they will hold against the account. In some cases, you’ll be limited to a specified credit limit, and in others, you can set the credit limit simply by putting more funds in the security deposit account. Either way, you can apply for and get a credit card relatively fast, and just like regular credit cards, secured cards typically report to the major credit bureaus, so you’ll be able to start rebuilding your credit right away.

Secured credit cards can help in two ways:

1. A secured credit card helps you to rebuild the amount of available credit on your credit report. This is a very important part of your credit score, and the more available but unused credit that you have, the better it affects your credit score.
2. Demonstrating responsible usage of your secured card, including making timely, regular payments, can also affect your credit score in a very positive way. Credit is measured not only by available credit, but by the length of time that you hold accounts, and by your history of timely, regular payments.

Not sure which secured credit card is right for you?

Here are our top picks:

With your Emporium Preferred Account, getting a fresh start on your credit with an online shopping site just got a whole lot easier!

One of the easiest ways to improve your credit rating is to open a store/catalog credit card.  Not only are catalog sites typically more lenient when it comes to approving those of us with less than perfect credit, but nearly every one of them reports your approval, credit limit, and regular payment history to at least one of the credit bureaus.  And you know what that can mean… a fresh start on your credit!

That’s right, getting a fresh start on your credit just got EASIER.  Not only do you have the ability to buy NICE things, but over time, your credit score could improve significantly… just because you use your Emporium Preferred Account wisely!
Emporium Preferred Account

• Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
• Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
• 90 Days Same as Cash
• 50% Early Payoff Discount
• No Hidden Fees
• Return at any Time

Apply for your Emporium Preferred Account Now!