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Consumer Reviews, Credit Score and Limits
Fingerhut
Started off with the Fresh Start program. After 3 consecutive timely payments, I was bumped up to a regular account. Score is up 30 points. As a reference, my TU score at that time was 560 and I got approved for $250.
I had very little credit history aside from some school loans. Started off with the fresh start. You have to put down $40 and pay the rest over a 6-9 month installment. I bought something and paid it off after 3 payments. Then about 2-3 weeks later, I was moved up to the regular account. It was then that I saw my scores go up by 30-40 points across the 3 bureaus. For those looking to rebuild their credit, this is a great program. The only downside is that the shipping is ridiculous ($15) and you could always find a better price online. But the best thing to do is to buy a brand that you are familiar with.
I applied for the fresh start program. The first thing I got was a bicycle for my son. Paid $50 down and paid off the remainder in 2 months. My score improved by 40 points after that. I was then upgraded to the regular account with a $500 CLI.
My score was about 515. I applied to many cards and was denied (eg Credit One, FP!!). I finally tried FH Fresh Start and was approved for $250. I made my first purchase with a $40 down and paid off the "loan installment" within a few months. After that, I was upgraded to the regular account and saw my scores improve to about 590. I can't wait to see what happens in 6 months.
I started with the Freshstart program and got a $200 credit line. I made a purchase and as soon as it was posted, I paid it off about 2 days later. After about 3 weeks, I made another purchase and also paid up pretty quickly. Once that happened, I got upgraded to the regular account. When I got Fingerhut, my scores were in the 400s. But it has improved to over 500 now. They also started reporting to the 3 bureaus about a month after I got the account.
BK was discharged on 5/5/15. Was approved on 5/20/15 for $200. My Eq score was 470 then. After six months and four purchases (which I paid off after two payments), my score is now 540.
I messed up my credit when I was young. Had some medical debts and lots in collections. My score had gone down to 480. I could not even get approved for unsecured cards with high fees (the ones meant to target folks like me). But fingerhut gave me a chance and I got approved for Fingerhut for $200. I would buy something and pay if off after two or three payments. They have given me a credit increase of about $400 to $500 every six months. My limit is now about $2000! My scores have also improved to about 620 over slightly more than a year. I have just gotten a couple of store cards and when my score goes up to the high 600s or 700, I'll start applying for some better cards. For those of you who have really bad credit, you should consider Fingerhut. It has definitely helped me rebuild.
I got introduced to Fingerhut because my mom used to have that account. She would household goods with that and also shoes for us. I have made mistakes with regards to my credit. To rebuild I tried applying for a few secured credit cards but was turned down. I tried Fingerbut and was approved for their Fresh Start program. My score then was 520 and I got a $200 limit and had to put a $30 downpayment and 6-9 months to repay. I did not mind those terms. I bought some stuff for about $150 including shipping. I paid it off. After four purchases that were paid off, I got upgraded to the regular Fingerhut account. My credit lines have also been increased a couple of times and it is now $750.
My EX score was 530 when I applied. After 8 months of using this card (probably made about 5 purchases), my score is now 590. I just have to be patient and soon my scores will be over 600.
My credit was bad (510 score) and I have a few collections ($1200). I applied and got approved for Fingerhut for $250. I buy something once every couple of months and pay it off. After I got Fingerhut, I applied and was also approved for a couple of secured cards like Opensky and Capital One. I try to keep my utilization below 30%. After 8 months, my credit score is now 630. So yes, you can improve your credit and you do not have to get cards with ridiculous fees.
I applied for Fingerhut when my score was about 580. I got approved for $250 freshstart program with $30 down. I bought a couple stuff and took 5 months to pay off. I was then upgraded to the regular account. Since then, I have gotten approved for 3 store cards and I look forward to steadily increasing my credit score.
Got into the Fresh Start program when my score was 560. I was moved to the regular account after one purchase. I made another purchase and after paying it off, my limit went from $250 to $750 (a $500 increase).
I have both a Horizon Gold account and a Fingerhut account. The difference is that FH sells quality products and they do not charge a monthly membership fee. You do pay more (about $15% to 25%) more but they approve you even if you have bad credit and they do help your score.
For rebuilding credit, I guess this is ok. But I had a couple of shipping issues and returns with them. So for this, I'll give it a 2-star.
When I applied, my TU score was 550. I was approved for $500. I have made about 5 purchases and for no reason, my limit was reduced to $300. My scores did improve to 610 though.
Here is my story of how Fingerhut helped me regain my footing. My score was about 430 (like really bad) and yet I got approved for FH Fresh Start. I was merely approved for $150. I made some purchases and took about 4 months to pay off. Once that was paid off, I was moved to their regular account. My limit was increased to $250. After that, I went on an app spree. I got approved for Capital One QS, Walmart, Sears and Kohls. After about a year or so, my scores are now 610. That is a huge improvement and I will be working had as hell to get my scores up to 700.
Have to thank Web Bank and Fingerhut for helping my credit. When I compare stuff on FH to Amazon, they are about 30% to 35%. Bottom is that it is best to have good credit. But if yours is not, FH is a good way to rebuild it.
Opened an account with FH when my scores is about 590. I was given a $300 limit. I bought $150 worth of stuff and paid it off over 3 months. 3 months after I opened the account, my credit line is now $800. The price on FH is a little overpriced. But I will keep buying stuff to get the credit line increase. My score is also now about 640 and increasing. Can't wait for the day where I can get a regular no annual fee card and start shopping on amazon again.
I had an EQ score of 580 and I was approved for $400. The price of stuff on FH is about 20% higher than most stores. And the shipping cost sucks. But I'll just have to suck it up until my scores are good enough to get an Amazon card.
I was denied Credit One and First Premier and even a couple of secured cards. FH gave me a chance and approved me (505 score). My limit has gone up twice and it is now $1000.
Got my first store card approved. FH Fresh Start for $130! Hey - but there is no annual fee that other cards have. Prices are higher but it is a start for me. BTW - score was 540 when I was approved.
Got FH when my score was 480. I had a couple of collections and was surprised I was approved. They start you low ($150 for me). Then once you buy something and pay it off, they give you an increase to tease you into making a larger purchase. My limit is now $2000! Prices are about 25% more expensive than Amazon and they charge a hefty shipping fee. But my scores are now 650 so I would say go for it if you have scores just like mine not too long ago.
I recently got approved for Fingerhut with a credit line of $500. My score is 545. Am looking forward to increasing my available credit, and slowly improve my score.
Started off with $500 CL. I've recently got a CLI to $1000. I do not use the card much (maybe once every 3 months or so). My score was about 535 when I was approved.
My score was hovering around 555. I did not think I would get approved. But I actually did after some verifications. I was given a $500 credit line. The prices on FH is about 20% above normal retail price and there is a shipping fee. I also found out that you can use Fingerhut at Teleflora.com so at least you can buy flowers at "regular" prices.
Score was 460 when I applied. A few items in collections. Was surprised to be approved for the Fresh Start program for $250. Bought 2 pairs of shoes and paid it off after 3 months. I was then given the regular FH account. After another purchase that was paid off, my credit line increased to $750. My score is now 530.
The Good: I was approved with a 505 TU score. Limit was $250. After 6 months, my limit is now $800. My score is also now at 570. The Bad: Prices are 25% to 30% above retail. There is also shipping cost too.
I was denied USB and Citi secured cards and decided to give FH a shot. My credit was in the dumps (460 score) and I was approved for $150 on their Fresh Start program. I made my first purchase and had it paid off in 5 months. I was then given the regular FH account and a CLI to $500. After another 4 months, I had a CLI again of $500 so my limit is now $1000. Meanwhile, my EQ score is now about 600. I have just gotten approval for Kohls and Walmart store cards.
I got Fingerhut when my score was about 505. My initial limit was $200. Over the last two and a half years, I have seen my credit line increase to $3500. I think that was because I was always buying stuff from them. I never went over $400 on the account. Recently, I got another promo from them and I did not pull the trigger. They then decreased my limit to $3000! Is it because I did not take up the promo?
I bought a few items from them but found the quality to be poor. So I returned them and they turned around and charged me $70 for shipping. What a bunch of jerks.
I got approved for a $300 line with a 567 score. The prices of their stuff was about 20% over regular stores. But that was not my issue. It was that they would call me about my payments even before it was due. This is really weird.
Applied for fh in February. My EQ score back then was 550. I was approved for $400. In june, I had a $500 CLI. And my scores are also up to about 590. Very pleased so far.
FH has helped me rebuild my credit score. When I got Fingerhut, my score was 567. After one year, my credit line has increased from an initial $300 to $1200. My score had also increased to 650. Giving this a 4-star rather than 5 because the prices are more expensive than other online stores.
First Premier and Credit One rejected me. So I gave Fingerhut a shot and was approved. My score was 510 with a few baddies on my report. I was approved for $250.
It was my fault that my credit took a hit and my score dived to 480 area. I tried to apply for a couple of secured cards but was declined. I did some research and decided to give this a shot. I was approved for the Fresh Start and was then moved to the regular Fingerhut credit account after paying off the first thing I bought. My limit increased from $150 to $400.
Fingerhut gave me a chance. My score was 569 with a couple of collections still on the report. I got approved with a $200 credit line. After a year, my credit has been increased to $1000.
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