They all mess with AAoA, unfortunately.
With SCT, at least they were soft pulls so you didn't take an inquiry hit. They'll still report but you don't have to use them.
With Fingerhut, it is a hard pull so you already took the hit but again, you don't have to use it. It'll report anyway so it's a 0% utilization account, and if you want to close it you can. If you choose to, my recommendation is to go through ebates first for the 2% back (to counter some of the overpriced-ness) and shop clearance and the departments with free shipping. I bought some cologne I like for a little less than I would have paid locally through Fingerhut (currently health and beauty is in the free shipping category, too). Heck yes I will find ways to not overspend.
