Credit Utilization Too High?

Did you know if you’re using over 30% of your total available credit that it’s probably hurting your credit score?  That’s right.  Credit utilization, the simple measure of how much available credit that you have at any given time, should stay at or below 30% of your total available credit.  But, how is credit utilization calculated?

Simply put, your credit utilization is figured by adding up your total credit limits and dividing that by the total of all the balances on your credit cards.  So, if you have a $1,000.00 credit limit spread across one, two, or even three cards, and the total balance that you’re carrying is $500.00, then your credit utilization is 50% and the credit bureaus take that into account when your credit score is updated every month.  Even worse, some actually look at individual balances, so if you have even one credit card that is over that 30% utilization, it may be costing you points on your credit score.

What can you do to improve your credit utilization score?

Of course, ideally it’s best to pay off the balance on all your credit cards every month, but that’s not always financially feasible, so you may want to consider other ways to lower your credit utilization and/or increase your available credit.  The first way is fairly straightforward – just pay down the balances on your credit cards until you’re below the 30% utilization score.

Or you can increase your total available credit by getting another credit card and then using it sparingly.  Oftentimes, people accomplish this by applying for a balance transfer card with a special interest free introductory period that will allow them to transfer one or more balances to the card, and then pay it off before the introductory period expires.  This move can save hundreds of dollars in interest over the course of a year or more – just be sure to pay it off before the introductory period expires!

Another option, for those of us whose credit isn’t really high enough to qualify for the balance transfer cards is to sign up for a regular credit card, or even a catalog shopping card like a Fingerhut Account (Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!) as this too will increase your available credit and Fingerhut typically works with those of us with less than perfect credit.

(Fortunately, your credit utilization score is only calculated on credit cards and revolving charge accounts – your mortgage and auto loan isn’t taken into consideration.)

Fingerhut Credit Application

Single Parent? You’ll Want to Read This!

Being a parent costs a lot of money… being a single parent?  That requires some truly careful budgeting!  Did you know it costs nearly $175,000 for a single parent to raise one child from birth through the age of seventeen?  Between the cost of housing, child care, groceries, and transportation, there isn’t much left for extras, is there?  And then, when birthdays, graduations, and the holidays roll around, you’re scrambling to afford even the most meager gifts when you’d like nothing more than to give them the moon and the stars.

Fingerhut Credit ApplicationSo, as a single parent, how do you afford the extras… you know, those few little luxuries that make life worthwhile?  That flat screen television, that gaming system, or even that special, brand name pair of tennis shoes that all the other kids are wearing this year?

Relax.  With Fingerhut, you can.  Fingerhut is the perfect solution to your single parent household budget.  Not only do they have hundreds of thousands of name brand, competitively priced items on their site, but you can actually see the monthly payment before you buy, so you’ll know exactly how much you will need to pay AND you’ll know if you can fit that amount into your budget.

Even better, Fingerhut works with single parents, those with less than perfect credit, and even those of us with little or no credit so that you can get what you need, when you need it, and pay for it over time.  Plus, Fingerhut regularly reports your responsible credit use to the three major credit bureaus, so over time, you might even see your credit score increase!

So go ahead, what are you waiting for?

Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands. Apply Today!

(Oh, and did I mention that Christmas is only about six months away?  Better start planning for that now, too!)

Planning for Christmas Yet?

Are you planning for Christmas yet?

I know, that’s a scary thought, but are you planning for this year’s Christmas gift buying yet?  Especially if you don’t have the cash to buy all those gifts at once, you should either be saving like crazy now OR you should be working on your credit score so that when the holidays roll around again, you’ll have the credit that you need to do this year’s Christmas shopping.

Now, of course there are a couple of different ways that you could be saving for this year’s gift giving extravaganza.  The first and probably, the easiest way to save is to simply have a certain amount taken out of your pay check each week and put into either a savings account or onto a prepaid debit card that you don’t use until it’s time for Christmas shopping.  (I know, emergencies do arise, but if you don’t use the card, come October you’ll have a tidy little sum to shop with.

As far as prepaid cards go, there are a lot of options out there, but I like the Account Now Prepaid Gold Visa.  It’s easy to sign up for, easy to put money on, and the online interface is pretty neat.  And, once you start putting a certain amount on your prepaid card each week, it just gets easier and easier to keep going!

Apply now for your AccountNow® Gold Visa® Prepaid Card

 

Fingerhut Credit ApplicationThe other way that you can start planning this year’s Christmas season is to start working on your available credit now so that when the time comes, you have the credit you need to buy the gifts that you want.  One of the best ways to get a fresh start on your credit and get the credit that you need for Christmas shopping is to apply for a Fingerhut Credit account.

Unlike a lot of online shopping sites, Fingerhut is known for extending credit to those with less than stellar credit scores, and unlike other catalog shopping sites, Fingerhut has hundreds of thousands of name brand merchandise, priced competitively, and they tell you up front what the monthly payment will be, so there’s no guesswork nor any surprises to wreck your budget.

And, if you open your Fingerhut Credit Account now, you’ll be ready for Christmas shopping when it rolls around later!

Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account. Use promo code NC361. Limited Time Only. Offer Ends Soon.

Fresh Start Friday!

It’s Fresh Start Friday!  And there is no better way to get a fresh start on your credit than to open a Fingerhut Credit Account today!

That’s right.  Fingerhut is one of THE BEST ways to get a fresh start on rebuilding your credit.  Unlike a lot of other companies, Fingerhut approves nearly everyone for an account and in the rare event you aren’t approved?  They have a special program designed to get you back on track financially.
Fingerhut Credit Application
Why is Fingerhut your best bet for improving your credit score?

It’s actually pretty simple.  When you  open a Fingerhut Credit Account, they will report your new account to the credit bureaus, so you’ll show an available credit amount in the credit usage section.  Keeping your credit usage at or under 33% can really make a difference in your credit score.  So, when you’re approved, make sure your order is for about one third of your total credit limit.

Then, once you start making payments, you’ll build a payment history over time and this accounts for another 30% or so of your credit score.  The better your payment history, the better your credit score will look.

Even better, over time, you’ll find that Fingerhut will periodically review your account, and as long as you keep it in good standing, you are likely to see regular increases in your credit limit.  Not only will that help your credit score, but then you’ll be able to get some really good deals on the hundreds of thousands of items available on Fingerhut.com.  And those are just a few of the reasons why Fingerhut is our best pick for your Fresh Start Friday.

But, don’t just take our word for it… check out their website, apply now and get a decision in seconds!

Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account. Use promo code NC361. Limited Time Only. Offer Ends Soon.

New Fingerhut Promo Code!

Fingerhut Credit ApplicationIt’s the beginning of a new month AND that means a new Fingerhut promo code is available for you to use when you sign up for a new Fingerhut Credit Account!

This month, Fingerhut is giving away a pair of waterproof Bluetooth speakers with your order of $100.00 or more.  What do you need to do to get these speakers?

It’s easy, simply go to the Fingerhut Credit Account site, answer a few questions, place your order of $100 or more, enter the promo code ROCKOUT, and you’re on your way to rebuilding your credit score while you enjoy these FREE waterproof speakers!

Why Fingerhut?  Why NOT Fingerhut!  Unlike a lot of these catalog shopping sites, Fingerhut has been around for decades, and you know that you can count on the quality of the merchandise, the service that you’ll get when you shop with Fingerhut, AND you won’t find many retailers with such competitive pricing, reasonable interest rates, or generous credit terms.

But hurry, this offer ends soon!

Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account. Use promo code NC361. Limited Time Only. Offer Ends Soon.

Bad credit?  Don’t worry – FINGERHUT specializes in helping those of us with less than perfect credit!

The Top Two Ways to Get a Fresh Start!

Need a fresh start on your credit but can’t qualify for a major credit card?

If you’ve had a severe financial setback, getting the credit that you need can be nearly impossible.  You know that you need to work on your credit score, but no one will give you credit… it’s a never ending circle.  You need credit to work on your credit score, but no one will give you credit, and every time you apply for a card and get rejected, it lowers your credit score a few more points!

How will you ever get the fresh start that you need to start rebuilding your credit?

Believe it or not, you can get that fresh start that you need, and it’s not nearly as hard as you think.  There are two ways that you can still get credit when it seems like no one will give you credit.  The first and probably most obvious way it to get a secured credit card.  Unlike conventional credit cards, you won’t be denied a secured credit card because you secure the credit card with a deposit of your own choosing, so you can make your credit “limit” whatever amount you want.  (I know, this is not the easy answer that you’re looking for, but trust me, it does work.)

Once you sign up for a secured credit card, you make the deposit, and then use the card just like a credit card to make purchases, and make regular payments on the balance.  The credit card company then reports your new credit limit, responsible usage and regular payment history to the credit bureaus every month.  In no time at all, you will begin to see the positive effect this will have on your credit score.

Fingerhut Credit ApplicationThe other way that you can get a fresh start is by opening a Fingerhut Credit Account, which can actually be an unsecured account or, in the rare event that you don’t qualify, could be a special Fingerhut “fresh start” account.  I say that it can be one of the two because, even though nearly everyone qualifies for the first option, and open Fingerhut Credit Account, there are occasionally times when you may have to start with the second type of account.  Either way, opening an account with Fingerhut is truly one of the fastest ways to raise your credit score that I’ve ever seen.

Typically you’ll start out with a credit limit of about $300.00 – use it responsibly, make your payments on time every time, and you’ll not only see your credit score begin to improve, but you’ll also be amazed at how quickly your credit limit will be increased, and you’ll love the special offers (6 months interest free, no payments for several months, the Fingerhut major purchase program, and more!)

Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!

So, there you have it – the two best ways to improve your credit score quickly and almost painlessly!  All you have to do is pick one (or both) and get started!

Get a Fresh Start with Fingerhut!

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!

Fingerhut Credit ApplicationThat’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 –

  1. 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.
  2. 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.
  3. 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!

Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account. Use promo code NC361. Limited Time Only. Offer Ends Soon.

New Fingerhut Promo Code

Check out this month’s new Fingerhut Promo Code!

Fingerhut Credit ApplicationOpen a new Fingerhut account, spend $100 or more, and use this promo code to get $25.00 off your first order!

But wait, this site is about getting a fresh start on your credit… what does a Fingerhut promo code have to do with getting your credit back on track?

Believe it or not, opening a new Fingerhut Credit Account is one of the best ways to improve your credit score!

Actually there are several ways to improve your credit with Fingerhut, especially if your credit is less than perfect.

  • First and foremost, Fingerhut is one of the few places where you can actually get credit when you’ve had a serious setback… lost a job, gotten a divorce, or gotten behind in your payments.  In fact, Fingerhut has given more people a fresh start than just about anywhere else!
  • Second, a Fingerhut Credit Account will help you to establish a good payment history.  Not only will your payments be affordable, but Fingerhut will report your payments to the credit bureau every month.  In just a few months, you should begin to see an improvement as your payment and credit history grows!
  • Third, a Fingerhut Credit Account will help with your available credit, which is shown on your credit report under credit utilization.  Simply keep your Fingerhut credit utilization around one third of your available credit and you’ll see even more improvement on your credit score!
  • And finally, Fingerhut offers thousands of brand name products at extremely competitive prices, so you won’t have any problem finding exactly what you want!

So go ahead, treat yourself to something new and get a fresh start on your credit with Fingerhut!  

Get the credit you deserve and save $25 on your first order of $100 or more with a new Fingerhut Credit Account issued by WebBank. Use promo code NC582. Limited Time Only. Offer Ends Soon.!

 

Fresh New Fingerhut Promo Code

Fingerhut Credit Application

Looking for a great way to save $25.00 on your first Fingerhut order?

We’ve got a fresh new Fingerhut promo code just for you!  Get the credit you deserve and save $25 on your first order of $100 or more with a new Fingerhut Credit Account issued by WebBank. Use promo code NC582. Limited Time Only. Offer Ends Soon.  That’s it, enter the code and place your order of $100.00 or more and you’ll immediately save $25.00 on your order of name brand, reasonably priced, quality merchandise delivered straight to your door.

Didn’t get what you wanted for Christmas?  Want to do a little redecorating around the house?  Maybe you’re already planning that next gift giving occasion… birthday?  Valentine’s Day?  Graduation?  Whatever you’re looking to buy – you can get it at Fingerhut!  And, if you order now, you’ll save $25.00!

But you’d better hurry… this Fingerhut promo ends soon!

 

Last Minute Sales, Free Shipping – There’s Still Time!

Still trying to find a way to pay for Christmas?

Need to find a few real bargains to finish up your shopping?  Fingerhut Credit ApplicationThere’s still time to get in on an unbelievable amount of savings with the last minute sales offered at Fingerhut! If you check out their website today, you’ll find toys, games, electronics, clothing, shoes, and household items all on sale AND with free shipping until December 12th, there is still time to get your order before Christmas!

So, don’t waste another minute, apply today for your Fingerhut Credit Account, and get in on the last minute savings with FREE SHIPPING until December 12th.

Not sure if you’ll qualify for a Fingerhut Credit Account?

Relax, almost everyone gets approved for Fingerhut, and even if you don’t, they have a Fingerhut Fresh Start option that may still make this a Merry Christmas! But, you’ll never know unless you try…

Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!