Can’t Get Credit?

Getting credit when you have none can be extremely difficult, especially if you’ve had a serious financial setback that has resulted in a damaged credit score… How are you supposed to rebuild your credit score if no one will give you credit?  It seems like a vicious circle, but there are alternatives to conventional credit cards, and these alternatives are a great way to start getting your credit back on track!

Obviously, there are a couple of things that you absolutely have to do when you want to start improving your credit.  First, you’ll want to take a really good look at your credit report and do your best to correct any mistakes that you find.  These days, it’s as easy as filing a dispute online, answering a few questions, maybe emailing paperwork – and it doesn’t take nearly as long as it once did to correct these inaccuracies.  I’ve seen them corrected in as little as 30 days!

Another thing that’s vital to improving your credit score is to pay off as many of the derogatory marks on your credit report as you can.  Once you’ve paid them off, you can even request that they be completely removed from your credit report – this may or may not happen, but you should always try!

And finally, once you’ve done all that you can to correct the past, it’s time to start working on your future credit score by rebuilding your available credit and your payment history.  Now, as I mentioned at the beginning of this article, it can be difficult to get a conventional credit card right off, but there are a couple of really good alternatives to conventional credit cards, and these alternatives have been instrumental in helping millions of people improve their poor credit scores:

Apply for a secured credit card, like the Applied Bank® Secured Visa® Gold Preferred® Credit Card. Secured credit cards work a lot like conventional credit cards in that you will have available credit, you’ll be able to use it anywhere that you’d use a conventional credit card (online, hotels, car rental, airline tickets, etc.), and you’ll make payments on the purchases that you make, but the big difference is that you’ll have to put up a security deposit when you open the account. This security deposit is typically anywhere from $200.00 to $2,000.00 (you decide how much) and will equal your initial available credit.

Most secured credit cards have highly competitive interest rates, low to no annual fees, and many convert to conventional credit cards after a period of time.  All you have to do is choose the card that’s right for you! Just make sure that the secured credit card provider you choose reports your responsible use to the major credit bureaus, because that’s how a secured credit card helps you to improve your credit score!

Open a catalog shopping account such as a Fingerhut Credit Account issued by WebBank. Although it may surprise you, Fingerhut is actually one of the best catalog shopping companies out there. Not only have they been in business for decades, but they are known for working with those of us with less than perfect credit. In fact, most people get approved for a Fingerhut account in minutes, but in the event that you don’t? You may still qualify for a special fresh start program where you’d have to pay a nominal deposit on your first order before it’s shipped.

Either way, once you’re approved, you’ll love the selection of name brand merchandise, the competitive prices, and the low monthly payments!  And even better, you’ll love the effect that a Fingerhut Credit Account issued by WebBank can have on your credit score over time. (Fingerhut reports to the major credit bureaus too!)

Still think you can’t get credit? Don’t put it off any longer – start improving your credit score today!

It’s Time to Plan Your Christmas Shopping!

With the advent of cooler temperatures across most of the eastern half of the country this month, it’s definitely beginning to feel like fall is in the air!  And along with Autumn come thoughts of the upcoming holiday season… Have you started planning this year’s Christmas shopping?  How much are you planning to spend and, more importantly, how will you pay for all those gifts?

I know, it sounds really early to be planning for Christmas, doesn’t it?  But, the truth is, now is the best time to plan your Christmas shopping!  Not only can you save money by planning ahead, starting early, and finishing before the last minute, but you can also ensure that you’ll find the best sale prices for those must have gifts (not to mention the fact that you won’t be out scouring the stores on Christmas Eve for the ONE gift that someone just HAS to have this year).  And by planning ahead, you’re more likely to stay well within your budget, too.

Another reason that I like to start early is that I really prefer to do as much of my shopping online as is possible!  I do not enjoy those crazy black Friday sales, crowded stores, and seriously picked-over merchandise at all… when I give a gift, I want it to be just the right brand, the right color, the right size, and the right price!  That’s why I do most of my shopping for Christmas at Fingerhut.  Not only do I find brand name gifts, competitively priced, but I can do ALL of my shopping at once, and it’s shipped straight to my door without a single trip to the mall.

With Fingerhut, I can get everything from brand name clothing to the latest electronics, from shoes to furniture, and so much more.  And before I ever click the BUY button, I know exactly what the monthly payments will be once the holidays are over because Fingerhut lists the monthly payment amount right alongside the full cash price, so there are no surprises once Christmas is over!  (And, I can see the impact every purchase will have on my budget, too.)

What about you?  Have you thought about your Christmas shopping for this year?  If not, you might just want to think about a Fingerhut Credit Account issued by WebBank !


Worried you might not qualify? Think again! Fingerhut is the best catalog site to use when you need a fresh start on your credit! Not only are most people approved for a Fingerhut account, but a Fingerhut account can actually help you to build or rebuild your credit, simply by using your credit responsibly and making your payments on time every time! So, go ahead, apply for your Fingerhut Credit Account issued by WebBank and start Christmas shopping today!

New Fingerhut Promo Code

How would you like to save 20% on your first order from Fingerhut?

That’s right, if you sign up for a new Fingerhut Credit Account now, you can save 20% off your first order simply by entering TAKE20 as your promo code!  But hurry, this won’t last long!

Why Fingerhut?

Well, if you’re not familiar with Fingerhut, you might want to take a look… with over 700,000 items to choose from, there isn’t much you can’t get through Fingerhut, and with a very competitive interest rate, your Fingerhut account might cost less than using a credit card, not to mention that the payments are really reasonable.  (They even list the monthly payment alongside the full purchase price, so there are no surprises!)

April Fingerhut Promo Code

April is the best time to sign up for a Fingerhut Credit Account because this month, Fingerhut is giving away FREE waterproof Bluetooth speakers with every new account holder who places an order totaling $100.00 or more! That’s right, just use the promo code ROCKOUT when you check out & you’re all set!

And you know what’s even better about Fingerhut? Opening a Fingerhut account is fast, easy, AND it’s one of the best ways to raise your credit score!  Why?  Because Fingerhut works with those of us with less than stellar credit!  That means, you can usually get a Fingerhut account even when everyone else turns you down!

Open your Fingerhut Credit Account today!

Fingerhut Credit Account

  • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC758
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit

Apply Now!

The Best Way to Boost Your Credit Score

Looking for the best way to boost your credit score?

Maybe your credit score is less than perfect?  Maybe you’ve had a serious financial setback… lost your job, gotten a divorce, filed bankruptcy… The financial crisis has passed, and now you’re looking for the best way to get your credit back on track?

Believe it or not, one of the best ways to boost your credit score is to open a Fingerhut account!

Unlike most of those major credit card companies, Fingerhut will normally extend credit when no one else will.  In fact, almost everyone qualifies for up to $300 in available credit simply by entering your name and address and find out now.

How does a Fingerhut Credit Account help your credit?

A Fingerhut account helps your credit in two ways – the first and most obvious way is that you’ll have an open credit account with available credit.  Having available credit is a very important factor in your credit score… and keeping your balance at or below one third of your total available credit makes up about thirty percent of your credit score.  So, when you increase your available credit, you increase your credit score.

Secondly, Fingerhut reports your responsible credit usage to the major credit bureaus on a monthly basis.  This helps you to build or rebuild your payment history, and your payment history is another very important part of your overall credit score.  The longer your credit history and the more regular, on time payments that show up on your credit report, the more positive effect it will have on your credit score.

Still not convinced that a Fingerhut account is right for you?

If boosting your credit score isn’t enough to make you want to open a Fingerhut Credit Account right now, maybe the hundreds of thousands of competitively priced, name brand products available will sway your decision… that’s right, hundreds of thousands of competitively price, name brand products!  Everything from clothing to jewelry to electronics to furniture and appliances are available through Fingerhut!  Need a new wardrobe?  Fingerhut has it.  A new television?  Fingerhut has it.  New living room furniture?  Fingerhut has it!  That’s right, whatever you’re looking for, chances are you’ll find it at Fingerhut!

We’ll even give you a new promo code to get $25.00 off your first order!  Just enter NC698 when you check out to get your $25.00 off your first order of $100 or more!

Go ahead, what are you waiting for?  Open your Fingerhut Credit Account issued by WebBank  today!

The Best Way to Raise Your Credit Score

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?

Christmas is Just Around the Corner

It’s true, Christmas really is just around the corner.  Already, the stores are festooned with lights, decorations, and even Christmas trees!  Everywhere you look, there are pre-Christmas sales, Christmas gift ideas, and more…

What about you?  Have you figured out how you’ll pay for this year’s Christmas gift giving?

If you’re like most of us, even the thought of Christmas shopping sends shivers all the way down to your checkbook!  Between rising prices, wage stagnation, and the recession of the past few years, budgets are extremely tight, and it can be very difficult to find extra money in the budget for Christmas.  Fortunately, there are ways to buy nice gifts for those you love without wrecking the budget come January when those bills start rolling in!

This year, instead of stressing over shopping and your budget, Apply for your Fingerhut Credit Account issued by WebBank  and have a stress free holiday!

Fingerhut offers low monthly payments AND you can skip the crowds at the mall!  That’s right, you can do all of your Christmas shopping from the safety and comfort of your own home this year.  Simply logon to your Fingerhut account, select your gifts from among the many thousands and thousands of options in quality, name brand merchandise offered top you at reasonable, competitive prices, and they will ship everything right to your door!  Fingerhut even shows you what your monthly payment will be for every single item on the site while you’re shopping!  That’s right, you’ll know before you buy what you will need to pay once the holidays are over and it’s time to “pay the piper.”  (No surprises to wreck your budget in January!)

Think Fingerhut might be your answer to Christmas gift giving this year?  Check out all that opening a Fingerhut account can do for you today!

Best Catalog Shopping Site

What’s the best catalog shopping site?

Several catalog style shopping sites have launched recently, including a couple with an online “rent to own” business model, at least one with a standard monthly “fee” that replaces any interest charges, and still others that are like the already established catalog shopping site, Fingerhut.

We’ve actually reviewed a couple of the newer ones, and while we like the “rent to own” business model, the best true catalog shopping site, without a doubt, is still Fingerhut.

Why is Fingerhut the best catalog shopping site?

In an actual site to site comparison, we discovered several reasons why Fingerhut is still the best:

  • Fingerhut gives you all of the details up front! Not only were we able to confirm what the actual cash price for the item was, but we were also able to see the regular payment rate, the number of payments, and the full price of the item simply by using a handy chart that is available at the click of your mouse.
  • Fingerhut’s actual cash price is significantly lower for regularly priced items. The differences in prices on our comparison items ranged from a few dollars to as much as 30% higher than other comparable catalog shopping sites.
  • Fingerhut’s interest rate is highly competitive, not just with other catalog shopping sites, but also with traditional credit cards’ interest rates. In fact, the interest rate at Fingerhut is actually LESS than many credit cards these days, so you may actually save some money by purchasing through Fingerhut instead of using a credit card to purchase the exact same product.
  • Fingerhut is the only catalog shopping site that offers consumers a second chance in the event that you don’t qualify for a traditional Fingerhut account. With a mere $30.00 deposit on your first order, you can still qualify for an account under their FreshStart program!
  • Fingerhut typically starts out customers with poor credit at a $300.00 credit limit, however, once you’ve placed your order and made regular payments over a period of time, most customers end up with a significantly higher credit limit, and many qualify for the Fingerhut Major Purchase Program, where you can purchase furniture, appliances, and other high end items at reasonable prices with extended payment terms.
  • As always, with Fingerhut there is no penalty for paying the balance of your account off early, and the total amount due is always readily available on your monthly statement.

Interested in opening a Fingerhut Credit Account issued by WebBank of your own?

It’s far easier than you realize to qualify for Fingerhut.  The application is quick, easy, and secure and most people get an answer in less than a minute.  Go ahead – open your account today.

Get The Best Deal from Fingerhut Credit

Just when you think the deal can’t get any better, Fingerhut Credit is now offering a promo code that will save you $50 off your first order of $200 or more!

Especially if you’ve got less than perfect credit, it is really hard to get the things you want or need without some type of credit, somewhere.  Fortunately, Fingerhut Credit is tailor made for those of us with less than perfect credit!

Just look at what Fingerhut Credit can do for you:

  • Shop over 500,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments(1) with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC286
  • (1)If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit

The Best Way to Improve Your Credit AND Do Your Christmas Shopping

The Best Way to Improve Your Credit AND Do Your Christmas Shopping? That doesn’t even sound remotely possible, does it? How can you spend money and start improving your credit at the same time? Believe it or not, it can be done. And, we’re here to share one of the best ways with you.

Let’s just start with your Christmas shopping – if you’re like me, you’re already wondering how much it’s going to cost and where you’re going to find the money in an already limited budget (I know I am!). Unfortunately, what should be a wonderful magical holiday is actually one of the most stressful times of the year simply because it costs so much money and many of us just don’t have that kind of money available to spend all at once!

That’s just ONE of the reasons why opening a Fingerhut Credit Account issued by WebBank can be such a great way to shop for Christmas and not have to worry about how you’re going to make the payments when you get the bill.

In fact, one of the things that I like most about Fingerhut is that when you shop at Fingerhut (online or in one of the catalogs they’ll send once you’re approved), not only do you see the full purchase price of the item, but you’re also given the monthly minimum payment amount to make once you order the item.

For example, if you were to order a flat screen TV, then you would see the highly competitive purchase price AND the monthly payment amount.  I’ve ordered a couple of things for the house this way, and it really helps to know in advance what that monthly payment is going to be.   This gives you two different ways to shop – you can do your Christmas shopping and pay off the entire bill at once OR you can do your Christmas shopping knowing what you’re spending and how much the monthly payment will be when you get the bill.  (With Fingerhut, there are no January surprises!!)

The other thing that I really like about Fingerhut is this – they have lots of NO INTEREST deals throughout the year, so if there’s a larger purchase that you want to make you can order it during one of these promotions, pay it off before the expiration of the NO INTEREST deal, and save money.

Not sure you’d be approved if you applied?

Not only are the majority of people who apply for a Fingerhut account instantly approved, but Fingerhut even has a “Fresh Start” program that can help you get your credit score back on track!

The Fingerhut Fresh Start Program works like this:

  • Start by filling out a credit application to open an account (most people start out with $250.00 credit).
  • Shop online and make a purchase between $50.00 and your total credit limit.
  • Make your first payment of $30.00 when the order is placed.  Once the payment is cleared, your order ships.
  • Make 6-8 regular payments (on time) and pay off the purchase.  (This is why we’re talking Christmas in July – there’s still time to get your credit set for this Christmas!)
  • When the balance is paid off, your account is converted to a revolving Fingerhut charge account, which means you’re eligible for credit line increases, and you can take advantage of the full line of buying options for every purchase you make, including deferred payment plans, low monthly payments, and a very reasonable monthly APR.

The best part is – Fingerhut reports your regular payments AND your credit line to major credit bureaus.  This helps your credit in two different ways:

1. You build a history of regular payments with Fingerhut.

2. They report your “available credit” thereby showing or increasing the amount of credit shown as “available” on your credit report.  (This decreases your credit utilization if you’re not using the full amount available to you.)

Think Fingerhut might be the way for you to improve your credit?