I applied for Fingerhut in late October 2015. My scores jumped 49+ points all across the board when I opened. I've made a few monthly payments since then & each time I make a payment the scores grow between 4 - 9 points. I pay more than the minimum & I am in the Freshstart program . . . Each situation is different. When I got mine I had a car loan that I've been make payments on time for 10 months & a charged off/maxed out discover card (DC). DC original balance was $5,500. Amount owed was a little over $6,300 that I recently just called to pay off. Also, when I opened FH, I have 7 open collections.
