Credit less than perfect? Looking for the best way to raise your credit score?
If your credit is less than perfect, it can be really hard to get the credit that you need…and without credit, it can be really hard to actually get credit or to improve your credit score.
Several years ago, my credit was a long, long way from being perfect. And I remember going to department stores, and having them ask me if I wanted to save 10% by signing up for one of their credit cards… I always told them that I preferred to limit the number of credit cards I carried, or I just mumbled “No thanks,” because I knew there was no way that I would ever be approved even for that store credit card. If you’re in the same place with your credit score, it can seem like you’ll never get out of the credit “hole” that you’re in…there is a way out. And it’s not nearly as hard as you think it is.
The first thing that you need to do is to find out what your credit score is. That’s right. Force yourself to look at your credit score and your credit report. You can’t fix it if you don’t know what’s wrong. Late payments? Inaccurate information? Maybe you simply don’t have the right blend of available credit? Whatever the reason that your credit score is low, there are ways to fix what’s wrong and raise your credit score!
Now, assuming that you’ve studied your credit report, reported any inaccuracies, etc., and you’re now ready to start raising that credit score… let’s look at the best way to raise your credit score if you don’t have enough available credit OR if you need a real “fresh start” with a creditor that specializes in giving second chances to those of us with less than perfect credit.
That’s right… Fingerhut specializes in giving second chances to those of us with less than perfect credit. In fact, Fingerhut probably approves more people for credit than anyone, and they can even help you to raise your credit score, too.
How does Fingerhut help you to improve your credit score?
Speaking from experience, opening a Fingerhut account not only gives you that “buying power” that you need, but they report your good payment history to the credit bureaus regularly, helping you to build a good payment history. This benefits you two ways – one, you have available credit, and two, you build a solid payment history with each and every payment you make. That makes Fingerhut one of the best ways to improve a less than perfect credit score that there is.
Think that you might benefit from a Fingerhut account?