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Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Fingerhut

    I am trying to decide whether to apply for a Fingerhut card or not. I have 2 tradelines on my report now which are active and one from a closed CC account which will fall off in 3 years. I am very eager to have new tradelines but am not sure if Fingerhut is going to maybe give me buyers remorse or really be worth it. It doesn't report to EX in my understanding. Beyond that I don't really see the downside to adding this account to my credit reports. Any insight? Thanks...

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Frequent Contributor
Boonie
Posts: 269
Registered: ‎02-08-2010
0

Re: Fingerhut

Try Gettington.com.  It is also Webbank and their prices are better for the exact same merchandise.  They will probably give you a higher initial limit than Fingerhut.

09/20/14 FICOs, EX 671, EQ 677, TU 701
Frequent Contributor
jeffery581
Posts: 373
Registered: ‎03-26-2010
0

Re: Fingerhut

Fingerhut merchandise is a rip off.

They do not report to all 3 cb's.

I would try for another GE card or secured card until scores are up.

 

 

I bought some pillows years ago when I had them. Just garbage "merchandise".

 

Capital One QuicksilverOne MC| MTV Visa | Sony Visa | NFL Visa | ebay MC | Best Buy MC | Credit One Visa | JCP | Kohl's| Conoco | Bloomingdale's | Lowe's | CareCredit | Firestone | Walmart | Academy Sports Visa | Macy's | Target | Amazon | Gap |
Established Contributor
tattooedhusker
Posts: 505
Registered: ‎10-25-2012
0

Re: Fingerhut

As others have said, the merch is crap, over priced, and they do not report to EX

NFCU CashRewards $13.5k | AMEX BCE $9.5k | Lowes $17k | Sportsmanss guide $6.6k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $2550 |
Scores: EQ: 676 EX: 714 TU: 725 Goal: 750 across the board
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Fingerhut

   Does Gettington.com report to 3 credit bureaus or just 2 as well?

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Frequent Contributor
jeffery581
Posts: 373
Registered: ‎03-26-2010
0

Re: Fingerhut

IDK about gettington

 

I would recommend secured cards.

 

 

Capital One QuicksilverOne MC| MTV Visa | Sony Visa | NFL Visa | ebay MC | Best Buy MC | Credit One Visa | JCP | Kohl's| Conoco | Bloomingdale's | Lowe's | CareCredit | Firestone | Walmart | Academy Sports Visa | Macy's | Target | Amazon | Gap |
Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
0

Re: Fingerhut


dddewdrop wrote:

    I am trying to decide whether to apply for a Fingerhut card or not. I have 2 tradelines on my report now which are active and one from a closed CC account which will fall off in 3 years. I am very eager to have new tradelines but am not sure if Fingerhut is going to maybe give me buyers remorse or really be worth it. It doesn't report to EX in my understanding. Beyond that I don't really see the downside to adding this account to my credit reports. Any insight? Thanks...


If you had no credit cards and wanted a first card I would say go for it, but seriously you would be taking a step backwards. I started with Fingerhut so I could get to the point of adding other cards. Don't do it. I wouldn't. Overpriced merchandise, insane shipping, only reports to two bureaus. I do not see an advantage for you.

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Fingerhut

Ya im gonna hold off thanks yo:smileyhappy:

 

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: Fingerhut

I would try the cap 1 secured. I like it so far.
EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
New Member
getaheadsomeday
Posts: 1
Registered: ‎05-02-2013
0

Re: Fingerhut

Both Fingerut and Gettington report only to TU and EQ. While they dont report to experian I would say someone looking to establish or turn their credit around, wont be hurt by having these accounts. My scores in six months have gained 40 points and I believe it because of these two accounts.I started building credit 9 years ago (I always paid cash for stuff and thought that was perfect credit till I tried to buy a home!)  

Also they give decent CLI after two billing cycles. Yes they are for the most part overpriced (gettington is $10-$30 cheaper) you can find coupons on retailmenot.com to offset the price hike. I buy from both and have not been disappointed yet some of their stuff is actually pretty nice. But I do read all reviews before I purchase  something which maybe why I have no negatives about this company.  


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