Need to rebuild your credit? Maybe you’ve had a serious financial setback… lost your job, gotten in over your head, and behind on your bills? Once something like that happens, it seems like it will take forever to get back on track… and when no one will give you credit, it’s nearly impossible to rebuild your credit score.
With Fingerhut, You Can!
That’s right, you can get that fresh start you so desperately need with Fingerhut! Not only does Fingerhut extend credit to those of us with less than perfect credit scores, but they also offer a special fresh start program for those of us who can’t qualify for a Fingerhut credit account.
How does the Fingerhut Fresh Start program work?
In the event that you don’t qualify for a regular Fingerhut account, Fingerhut may give you the option of opening a special type of credit account designed to give you a fresh start. The way this account works is you’ll sign up for an account, then you’ll select the items you want to order from hundreds of thousands of brand name, quality items, make a small initial “deposit” on your order. Fingerhut, in turn, will ship the order, and you’ll be responsible for making regular payments on your account.
Once the account is paid in full, Fingerhut normally converts your Fresh Start account into a regular revolving charge account, and over time, you’ll see your credit line increase substantially. This helps your credit score in three ways –
- Your Fingerhut account figures into your total “credit utilization,” and if you can keep the balance on your account under 30% of the total available credit on your Fingerhut account, then your credit score will reflect a much better credit utilization score.
- Fingerhut will report your regular payments to the credit bureaus on a monthly basis, which will establish your payment history, which is also an important part of your credit score.
- Over time, your regular payment history will also qualify you for credit line increases, which will help your available credit even more.
Honestly, opening a Fingerhut credit account is one of THE best ways to improve your credit score FAST! Not only have I personally seen the effects of opening a Fingerhut credit account on an individual’s credit score, but I’ve also seen the special deals that come with responsible use of your Fingerhut account. Special deals like short term credit increases that enable you to buy more expensive items such as computers, televisions, and other major appliances, special interest free deals, and eventually, admission into the Fingerhut Major Purchase program, where you can buy a new living room set, new bedroom furniture, or that new patio set you’ve been dreaming of all winter!
So, go ahead, what are you waiting for? Open your Fingerhut account today and get that fresh start you’ve been searching for!
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