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    FingerHut

    Maybe not for everyone, but wanted to share something I did to help boost my credit:

    Throughout my entire BK13, I received mailings from FingerHut that I was pre approved for $250. I would laugh and throw them out. Who the hell buys from FH right? My colleagues would laugh at work because I would tell them how FH people were chasing me in my car trying to get me to accept their credit (obviously joking).

    Anyway, I was looking for an exercise bike on line, and I was comparing prices. I found one at Dick's Sporting Goods . . but low and behold, when I searched for cheaper prices . . . FH popped up at almost $100 less for same model. So, I took it and used my good FH credit.

    After 3 payments, they upped my credit limit from $250 to $700. Most of their things are a bit over priced, but if you use it wisely you can help your credit build up slowly.

    THEY DO report to TransUnion!!!! I see them on my credit bureau.

    After BK13, I have a credit score of almost 680. Certainly it is not all from FH, but it has helped for sure.

    Just something to share.

    #2
    FingerHut! I remember them from 20 years ago. The girls at work would get their catalogs. I have not heard them mentioned in years!
    Filed Ch 7 Pro Se 11-18-2010 341 Meeting 12-16-2010 Discharged 2-15-2011
    New Job 7-2011

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      #3
      i also have the fingerhut credit card and yes they report every month my credit line is $900
      had it before filing BK and they did not close it
      Filed chapter 7 on 9/17 341 on 10/20
      Chapter 7 Trustee's Report of No Distribution on 10/21
      Discharged and Case Closed on 12/21/2010

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        #4
        DH and I both opened an account with them! I received a CLI after 3 payments but DH hasn't yet. We're still pretty new. It actually works out better for us that it isn't something you can use wherever - we each bought something we needed for less than 1/2 the CL and I set up higher than minimum payments on our online bill pay and we don't even think about it. I'm sure it has helped our scores too.
        Filed pro se (ch 7, no asset) 10/27/09
        341 12/14/09
        Discharged 03/29/10

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          #5
          are you still in ch 13? has it been dismiss?

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