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Established Contributor
Posts: 795
Registered: ‎05-16-2012
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Re: Question about Finger Hut account


ShiningDown wrote:

Do they only report to Equifax?


They report to Equifax and TU but not Experian.

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 $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 795
Registered: ‎05-16-2012
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Re: Question about Finger Hut account


Ostriches wrote:

Thanks for the info. Anyone know anything about how Meta Bank handles these accounts and increases?


When they took over, I was at $1050. I had not used it in about 5 months when I made a purchase for moisturizing cream and Meta Bank up'd it to $1750. I assume if you use it every now and then and pay off they will increase the limit. I imagine that is hard with only a $100 limit..not to mention shipping costs can get insane when you do find a deal but every once and a while a good deal can be made. Right now you can get two sets of twin sheets for about 15 shipped. Not too bad :smileywink:

 

I also used Fingerhut to re-establish my credit. It is probably why I keep them around today because they gave me credit when I had none and when others would not. I have no regrets. Besides it helps with utilization.

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 $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
Posts: 333
Registered: ‎08-12-2011
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Re: Question about Finger Hut account

Its not for me.


XxRaVeNxX wrote:

Don't do finger hut...it's like getting a credit card at rent a center...


 

Regular Contributor
Posts: 109
Registered: ‎11-22-2011
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Re: Question about Finger Hut account

I have a finger hut account, never have used it, never will. However I opened the account in 2/2012 and it had a 350 limit, I got a CLI yesterday for 100 dollars. Its a huge help with utilization. Just let the account sit, and every month you will get a little green box that says ok in the inside on your credit report for your account. JMO


Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


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Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
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Re: Question about Finger Hut account

I was approved last year with a $200 limit and the upped it to $300 soon after but I never use it and since its has no af its perfect for the SD
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Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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Re: Question about Finger Hut account

FH is one of my oldest reporting positive lines and I'm grateful for that, even today. But they gave me 300 then 600 and now nothing. Every six months they send me a reminder saying I have 600 dollars of credit available. I haven't used it in years and am wondering how long it will take for them to report?

And yes, they do report to EQ and TU but not EX.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Established Contributor
Posts: 600
Registered: ‎08-13-2011
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Re: Question about Finger Hut account

I know items from FH are on the high side, but if you don't use the card, I wouldn't expect a CLI, I have gone from 400-500-650-950.  every once in a while I order flowers for an occasion through there site then PIF





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 01/26/15 TU 732 Equifax693 Experian681
Equivalent lender pull 710
Goal Score: 700 across the board


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