This is long but you must read if you really want to build your credit up
Let me tell you guys (or women) all about my fingerhut experience.
My credit score was 426 (as most of us from silly mistakes when I was younger) and I was approved for a fresh start account for $130 (bummer!). I used my entire credit limit on my first purchase (lucky it was reporting as a installment loan and not credit card so it didn't affect my utilization) all of the stuff fell apart within two weeks (cheaply made but highly overpriced) but I still continued to pay on it (really didn't have a choice if I wanted to continue on the path to recovery). I paid more than the minimum each month even if it was just a dollar more. I fully paid off my balance after my third payment. After a week I received a email congratulating me on graduating to a revolving account and after two weeks I received a paper card and began reporting to the bureau's as a credit card with a whopping, wait for it, wait for it, $150 (oh my gosh that's a huge increase, right?) Well at least my credit went from 426 TU to 613 TU within three months. After all of my baddies fell off of my credit report I had a chat with a mortgage broker asking him what all I need to get a home loan and he mentioned that I need at least three revolving credit accounts. Well credit apps here I come I started off with Gettington (fingerhit sister) and surprisingly was denied. I applied for a Capital One Quick Silver One and was approved for $300. I read somewhere that QS1 is harder to get than Platinum so I applied for a Platinum card and was approved for $500. Getting approved for two cards was very, very exciting so I applied for even more, I said I was going to stop once I get a denial. I applied for Kohl's approved for $300, applied for Walmart $150 (bummer!), applied for Lowe's $600, applied for home depot $601 (that dollar matter, lol.), applied for Capital One buy power card, denied. I know what I said but I didn't stop there. I applied for the Chase freedom card, denied. That's when I officially stopped putting in apps. I read forum after forum on myfico (you should really checked them out) and I read about backdoor numbers. I called a backdoor number for Lowe's and asked for a credit limit increase (CLI) and he asked how much, I said $25,000. I'm not going to lie I expected for him to laugh and hang up on me. He didn't. Instead he asked me my personal income (25k) and if I own or rent (I rent but I said own since I'm looking to buy a house within the next six months) he placed me on hold for about six minutes and the slience was very intense. He came back and said, "I have some bad news" my heart kinda dropped in disappointment, "I wasn't able to approve you for $25,000 but I was able to approve you for $17,000. Do you accept?" I almost fell out my seat and did three backflips in the process. I was so speechless I couldn't even say yes. "Sir, sir are you there." I had to play it off, yes I'm here I was really looking forward to 25k but I guess 17k would do. I still can't believe it I called their automated system three times just to make sure I wasn't being pranked. I'm now currently on hold with home depot to try and do the same thing I did with Lowe's and next is Kohl's and Walmart. None of this would be possible if it wasn't for fingerhut fresh start. All of this happened today, May 17, 2016. I can't wait to get my cards in the mail. Don't ask questions just apply for fingerhut A.S.A.P! Go, Go, Go!!!!!!!!!!!!!!!!!