Need to get a fresh start on your credit right now? Looking for a fast, easy way to get that fresh start?
One of the hardest things about improving your credit score is having the patience to wait the months and sometimes years that it can take to dig yourself out of the credit “hole” that you’re in, and even worse, it seems like no one will give you the credit you need to actually begin the process of rebuilding your payment history, available credit, and so forth. It can be an agonizing process… and you can’t afford not to get it right the first time. (Every time you try for a credit card and are rejected, your score can drop even more!)
Rather than take the risk of dinging your credit report for credit cards that you can’t get approved for, why not get that fresh start today with a Fingerhut Credit Account. That’s right, Fingerhut Credit normally approves almost everyone for an account, and in the event that you don’t get approved right away, they may even offer you a special Fingerhut “Fresh Start” account. So, either way, with Fingerhut, you’ll only have one credit inquiry on your account. And at a time when every point matters, that single credit inquiry means a lot.
Once you are approved for a Fingerhut Credit account, you’ll want to use it sparingly and wisely. Keep your balance around 30% of your total credit availability and make every payment on time, every time. These are the two most critical areas of your credit report. Total credit availability and payment history count for about 30% of your credit score EACH. So, if you use your Fingerhut account properly, you can see significant improvement in your credit score relatively quickly because Fingerhut reports your credit availability and your regular payment history to the credit bureaus EVERY MONTH. And these days your credit scores are updated several times a month, so every payment, every inquiry, and every purchase you make matters!
Even better, Fingerhut is literally one of the best companies when it comes to credit line increases, special no interest purchases, and super sales! If you sign up for Fingerhut and you use your account regularly (and wisely), you’ll be amazed at the offers that you’ll get via email and regular mail. (I recently qualified for their “Major Purchase Program,” where you can buy all new furniture, pay it off in a certain amount of time, and pay little or no interest!)
And the merchandise… there are literally hundreds of thousands of name brand, competitively priced products on their website. Everything from clothing, shoes, jewelry, and appliances to rugs, linens, and yes, furniture for every room in your house!
When you consider all of the advantages to using Fingerhut to jumpstart your credit score, why wouldn’t you want to open a Fingerhut Credit Account?