"Applied Several Times!! Finally Aprroved YAY!!"

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Written by: missy1010 on 2011-08-24

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missy1010's review: I was looking at my credit score and it is still very low. I have one open credit account with GrandPointe and decided to try again with FingerHut. I have applied with FingerHut several times before this and every time has been denied. My credit score is 563 and my credit limit is $125.. Anything is better than nothing. I am hoping that with these two accounts I can manage to bring up my credit score over time.

5 Comments

Comment 1 by wanderer
Re: Applied Several Times!! Finally Aprroved YAY!! on 2011-08-25

Great news! Welcome to the world of credit. Yes, it sure can be frustrating but you stayed the course. Patience and your scores will come up.
Comment 2 by majtykamadness
Re: Applied Several Times!! Finally Aprroved YAY!! on 2011-08-25

Your on the right tack. It takes time and LOTS of patience. Only spend what you can afford to pay and treat credit like cash. GL 2 ya!
Comment 3 by derek1061
Re: Applied Several Times!! Finally Aprroved YAY!! on 2011-08-25

Congrats, and believe it or not your credit score is not that low with a little improvement you can easily get into the 600's. Only on time payments will improve your score. My best advice would be to wait about 6 months and then apply for a Capital One account.
Comment 4 by scamps218
Re: Applied Several Times!! Finally Aprroved YAY!! on 2011-08-29

At this point, the Fingerhut application has placed several hard inquiries on your report. That lowers your score in and of itself. Wait some time before applying for another card. About 8 months should do the trick.
Comment 5 by lovinlifeinkc
Re: Applied Several Times!! Finally Aprroved YAY!! on 2011-12-01

Will Fingerhut report to all 3 agencies if you pay on time?
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