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Sites like fingerhut/freshstart ?

Established Contributor

Sites like fingerhut/freshstart ?

Are there any sites like fingerhut that allow people with bad/poor credit to purchase things and have it show as a positive TL?

 

Suprisingly, my FH account is reporting A-OK to all 3 places. 

 

However I want to open another account someone to add a TL and boost my credit.

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



6 REPLIES
Regular Contributor

Re: Sites like fingerhut/freshstart ?

Try a site called gettington.com

Starting Score: 06/29/13 TU 579; EQ 585; EX 574
Current Score: 07/24/13 TU 645; EQ 668; EX 652
Goal Score: 740
Wells Fargo $700 / Merrick Bank $1000 / Fingerhut $1300 /
Gettington $1000 Walmart $600 HSN/1300 Express/700 Jcrew/1850
Jared $2000 Macys $2500 Bloomingdale $1000 Sony Card $1500
Amazon Store Card $900 Ann Taylor/880 American Airlines/1500 Shell/500 Capital One Quicksilver\ $500 Pier 1 $1500 \ Chase Zappos Visa $2500 Barclays Apple\$1200

Established Contributor

Re: Sites like fingerhut/freshstart ?

Has anyone heard of Ginny's/Seventh Avenue/Swiss Colony? (all the same brands under once company).

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Established Contributor

Re: Sites like fingerhut/freshstart ?


FixMyCredit1992 wrote:

Has anyone heard of Ginny's/Seventh Avenue/Swiss Colony? (all the same brands under once company).


The only problem with these sites is that they don't report to the credit bureaus, unless you default!  Also, they all will HP your credit.



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Established Contributor

Re: Sites like fingerhut/freshstart ?

Wait...they don't report? I thought any kind of credit account had to?

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Super Contributor

Re: Sites like fingerhut/freshstart ?


FixMyCredit1992 wrote:

Wait...they don't report? I thought any kind of credit account had to?


No they have the option to report or not 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor

Re: Sites like fingerhut/freshstart ?

Like I said, they do report, but only when you default and they will hard pull your credit for each new account and sometimes before each purchase.  You should just work your FH for maybe 6 months to a year and then try other sites  for the "shopping card trick"   Look up the shopping card trick and there's a plethora of store cards and some major credit cards.   Good Luck!!



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs