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Member
SuperStar3000
Posts: 18
Registered: ‎03-26-2013
0

Re: Really??? Fingerhut??

Did they do a hard-pull inquiry of your credit report when you placed your order ?

 

Do they report the account as a revolving line or installment loan ?

Established Contributor
Chris123nTx
Posts: 500
Registered: ‎05-11-2007
0

Re: Really??? Fingerhut??

I think it was credit karma once that reccomended first premier or one like that for me. My scores are all 800 +-. Algorithims that need a bit of tweeking i should think.
Regular Contributor
unusuallyconfused
Posts: 232
Registered: ‎03-05-2013
0

Re: Really??? Fingerhut??

[ Edited ]

@Kaismith

 

FingerHut seems to take a while to report. 

 

In my case, I got approved with them on Feb. 16. Statement cut in early March and they are NOW just reporting the tradeline - so for me, they started reporting about 1 month and 2 weeks after first getting approved.

 

And FingerHut did credit February as "pays as agreed" along with the month of March, too. 

 

I've also read around here that others have noticed, too, that they take a while to report.

USAA Rewards VISA (7,500 - 03/2013) / DiscoverIT (6500 - 03/2013) / Cap One Platinum MC (2750 - 03/2013) / Credit One Platinum VISA (750 - 03/2013) / First Premier Bank MC (300 - 02/2013) / FingerHut/WEBBANK (5200.00 - 02/2013) / Victoria's Secret/Comenity (1500 - 03/2013) / PayPal Smart Connect/GECRB (2900 - 03/2013) / Lowe's/GECRB (2800 - 03/2013) / Amazon.com/GECRB (4500 - 03/2013) / Chevron Texaco/GECRB (1950 - 03/2013) / J.C. Penney/GECRB (2150 - 02/2013) / Target (750 - 07/2013) / Abercrombie & Fitch/Comenity (1850 - 07/2013) / CareCredit/GECRB (4500 - 08/2013) / DCU Visa (2000 - 11/2013) / NFCU Sig cashRewards Visa (7000 - 11/2013) - MilitaryStar/Chase (4700 /12/2013)

Regular Contributor
SpiceIslander
Posts: 348
Registered: ‎02-01-2010
0

Re: Really??? Fingerhut??


VirtualCuriosity wrote:

They are just checking to see if you forgot where you came from. 


 

:smileyvery-happy:

 

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13000 | Lowes 10,000 | LOC 9300 | FNBO 8900 | Amex BCP 7200 | BOA Platinum+ 6000 | Amex SPG 5700 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Valued Contributor
tcbofade
Posts: 2,533
Registered: ‎09-26-2011
0

Re: Really??? Fingerhut??

My fingerhut reports as a store card...  (revolving, not installment)

 

I made one purchase with it when I got the card in January of 10 or 11 (can't remember...).

 

I thought the price was fine...haven't seen the item offered anywhere else, and I've been very satisfied with them.

 

The account reports to EQ and TU, but not EX.

 

Three of four (unasked for) CLI's later, it's a $1,000 credit line with a zero balance.

 

No complaints from me.  :smileyhappy:


Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Regular Contributor
unusuallyconfused
Posts: 232
Registered: ‎03-05-2013
0

Re: Really??? Fingerhut??

That's good to know that FingerHut reports to 2 out of the 3 bureaus. All three would be nice, but two are nice, too. For some that can actually be a positive.

 

Let me throw in there too that regardless of your situation, DON'T MAKE ANY MAJOR PURCHASES at FingerHut. Like don't buy computers, furniture, stuff like that. You will pay through the nose for no reason at all.

 

The two products I bought were $148 and $168 respectively, but I knew that I was going to pay the balance off within a week of each purchase so as to avoid the "easy" and "small" monthly payments. But for most people, buy something for under $50 or under $100 if you can afford it and then pay it off - whether it be the full amount or half the amount spread over 2 months, but pay it off as fast as you can.

 

I think the goal with FingerHut is to take whatever paltry initial limit they offer and do the dance until they give you a nice, fat, juicy line of credit and then take a seat and let the "huge" credit line on your report shine.

 

 

USAA Rewards VISA (7,500 - 03/2013) / DiscoverIT (6500 - 03/2013) / Cap One Platinum MC (2750 - 03/2013) / Credit One Platinum VISA (750 - 03/2013) / First Premier Bank MC (300 - 02/2013) / FingerHut/WEBBANK (5200.00 - 02/2013) / Victoria's Secret/Comenity (1500 - 03/2013) / PayPal Smart Connect/GECRB (2900 - 03/2013) / Lowe's/GECRB (2800 - 03/2013) / Amazon.com/GECRB (4500 - 03/2013) / Chevron Texaco/GECRB (1950 - 03/2013) / J.C. Penney/GECRB (2150 - 02/2013) / Target (750 - 07/2013) / Abercrombie & Fitch/Comenity (1850 - 07/2013) / CareCredit/GECRB (4500 - 08/2013) / DCU Visa (2000 - 11/2013) / NFCU Sig cashRewards Visa (7000 - 11/2013) - MilitaryStar/Chase (4700 /12/2013)

New Member
DerrInessa
Posts: 6
Registered: ‎03-28-2013
0

Re: Really??? Fingerhut??

[ Edited ]

I'm looking at the Fingerhut credit details now as well, and they surely report to 2 majors bureaus - which increases your chances to improve the credit score (if you're not late with payments). I have found an infographic which describes Fingerhut account features (it has a review and FAQs at the bottom of the page), may be it can help. I've also heard that they can increase your CL quickly enough.

edited

Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
0

Re: Really??? Fingerhut??

Creditkarma has made some interesting recommendations to me as well. Thy have stated that I have a poor chance of getting a card I already have. They have recommended cards that were sub prime. They seem to just try and push whatever sponsor is paying them the most this month... 😏

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
New Contributor
Richierichdollar
Posts: 116
Registered: ‎03-10-2013
0

Re: Really??? Fingerhut??

Yes I do not understand credit karma. It told me I have a poor chance to get a Discover It card but It also recommends the same card that I have a poor chance of getting for the range of my credit score. I applied thru this site and got approved ( do you think that had something to do with my approval) I mean I have been working hard on getting my credit right. I never would have thought I would have a Discove card within 1 yr of me rebuilding credit

 

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Really??? Fingerhut??

I think that $148 + $168 gives you a decent deposit on a secured card :smileysurprised:

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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