Reply
New Contributor
Posts: 56
Registered: ‎11-11-2011
0

FingerHut CLI Trick

Hey Everyone,

 

I just got my second increase with FingerHut and I've only had them seen March. They increase me from $800 to $1,300...

 

However, the way I got the increase wasn't by waiting, I actually sent the CEO an e-mail, I tried 4 different name formats and 3 only got returned, so I know someone got my e-mail. I sent it Sunday night and this AM I saw the $500 increase.

FingerHut - $2,300 | Nordstrom Retail - $500 | Capital One QuicksilverOne - $500 | Credit One Bank Platinum - $450 | Victoria's Secret - $250

Current Scores: TU: 573, EX: 512, EQ: 584 (MPM Scores)
Regular Contributor
Posts: 173
Registered: ‎09-10-2013
0

Re: FingerHut CLI Trick

Can you PM me the CEO email?

Epic Contributor
Posts: 20,645
Registered: ‎03-19-2007
0

Re: FingerHut CLI Trick

The flip-side of the coin is that each request for a CLI triggers permissible purpose for a pull of your credit report.

Since it is consumer-initiated, they can do so as a hard pull.

 

The additon of a new inquiry could thus result.

If the additionall CLI is then used to increase spending, with the % util on the card then being the same as prior to the CLI, you could get a net score decrease in the short haul.

 

The key to getting score increase from a CLI is not using it once it is granted.

Most creditors grant CLIs based on the normal tendency of consumers to then use it.

Regular Contributor
Posts: 133
Registered: ‎10-01-2013
0

Re: FingerHut CLI Trick

can you PM me as well

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
New Contributor
Posts: 56
Registered: ‎11-11-2011
0

Re: FingerHut CLI Trick

[ Edited ]

@RobertEG,

 

FingerHut doesn't allow CLI by the consumer, they are automatic, but I do agree it could result in a hard pull, but from information found on myFICO I believe they just do a soft pull. I'm not even 100% sure if this was due to my e-mail on Sunday or it just happened to occur at the right time, making the illusion that it worked! :smileyhappy:

FingerHut - $2,300 | Nordstrom Retail - $500 | Capital One QuicksilverOne - $500 | Credit One Bank Platinum - $450 | Victoria's Secret - $250

Current Scores: TU: 573, EX: 512, EQ: 584 (MPM Scores)
New Contributor
Posts: 56
Registered: ‎11-11-2011
0

Re: FingerHut CLI Trick

@earlyKY & e35

 

It's not hard to figure out the CEO of FingerHut, a little research and you'll get the name. Then you just need to try the common e-mail name formats used by larger corporations, obviously they won't use e-mails like cuddlebunny2001@fingerhut.com!

FingerHut - $2,300 | Nordstrom Retail - $500 | Capital One QuicksilverOne - $500 | Credit One Bank Platinum - $450 | Victoria's Secret - $250

Current Scores: TU: 573, EX: 512, EQ: 584 (MPM Scores)
Valued Contributor
Posts: 1,934
Registered: ‎10-23-2007
0

Re: FingerHut CLI Trick

I am in NC who does Fingerhut report to? 

New Contributor
Posts: 56
Registered: ‎11-11-2011
0

Re: FingerHut CLI Trick

All 3 CRAs

FingerHut - $2,300 | Nordstrom Retail - $500 | Capital One QuicksilverOne - $500 | Credit One Bank Platinum - $450 | Victoria's Secret - $250

Current Scores: TU: 573, EX: 512, EQ: 584 (MPM Scores)
Senior Contributor
Posts: 10,058
Registered: ‎09-24-2013
0

Re: FingerHut CLI Trick

congrats on the increase
.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.