11-26-2013 05:41 AM
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.
11-26-2013 10:58 AM
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.
11-26-2013 03:25 PM - edited 11-26-2013 03:25 PM
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!
11-26-2013 03:27 PM
@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 email@example.com!
11-26-2013 05:07 PM
I am in NC who does Fingerhut report to?
11-26-2013 06:41 PM
All 3 CRAs
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.