Fingerhut reporting to all 3 CB's.

[Anonymous]

Someone on here said the other week that the FH "fresh start" account only reports to one CB ( I think they said EQ).

However, I pulled all 3 CR's today using the "backdoor", and found it is INDEED report to all 3. This makes me happy.

Fingerhut is expensive, but it's worth it to add a TL to get a start on credit. They approved me when no one else would.

[Anonymous]

Tell me more about this backdoor of which you speak...

[Anonymous]

http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page

https://www.ai.equifax.com/CreditInvestigation/home.action

http://www.experian.com/reportaccess/

These links allow you to pull your CR free of charge if you have been denied for credit within 60 days. Either way, use them sparingly.

[Anonymous]

Ah okay, this I knew about. Funny,I was actually denied CLI for two of my GE store cards, but it only let me pull one, and when I tried to do the other one, even though it had been under 60 days, it tried to charge me. Must be because it's the same lender.

[Anonymous]

Thanks for the info

[titanofold]

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@Anonymous wrote:
Ah okay, this I knew about. Funny,I was actually denied CLI for two of my GE store cards, but it only let me pull one, and when I tried to do the other one, even though it had been under 60 days, it tried to charge me. Must be because it's the same lender.

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No, it's because only 1 of the CBs was pulled. If you get denied credit because of something on your EQ, then you can pull your EQ report. You do not get to pull your TU or EX report.

You get to pull the report that the lender pulled.

[Anonymous]

I'm aware of that. It's been awhile, but I'm pretty sure the lender pulled TU.

[ksantangelo23]

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@Anonymous wrote:

Someone on here said the other week that the FH "fresh start" account only reports to one CB ( I think they said EQ).

However, I pulled all 3 CR's today using the "backdoor", and found it is INDEED report to all 3. This makes me happy.

Fingerhut is expensive, but it's worth it to add a TL to get a start on credit. They approved me when no one else would.

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Slightly heartwarming I know you're just getting on your feet in the world of credit.