okay so i’m truly not sure why the reviews on this are either horrible or good but i do have to say.. i started with NO credit, no other companies would accept me. i’m not sure if the app is good but i do know the website for sure is. i got approved for $250 which i think is what they give everyone to start. my mom also did this about 10 years ago. so i knew it was legit. yeah the prices are ehhh , the interest is high. BUT just do it dude, like i started with none and with only doing fingerhut once, 8 months of on time payments, and my score is now at 640. i’m about to do my second round of fingerhut and to be honest i probably won’t be back after this but it is an amazing website to get your credit up. but after it’s above 640, i recommend maybe walmart or something less pricey and so you can get more for your money. but for now, think of it more as helping your credit. don’t think ugh i don’t wanna spend money on this. they do have cool stuff. i got 2 really nice pairs of shoes from them, a really cool cat scratch, baby drums, a cat bed, dvds, and i’m about to order beanbag chairs and amazfit watches. :) so happy with all my stuff that i’ve gotten so far. seriously just do it <3

I applied for the Freshstart program and bought my first product. It took my $30 down payment several weeks to process and after it was processed my order was cancelled and I had to call customer service. The guy I spoke to with customer service was disrespectful and he didn’t seem certain about his responses and he continued to try to speak over me. When I was finalizing my order he asked if I wanted to buy any other items and when I said no he asked me if I was sure.. yes, I’m sure... Later I found out that the freshstart program was just a trial and I could only purchase 1 item on this program and my purchase/payment history would be reviewed and they could choose to accept/deny any further transactions by me. Also, the products are not priced fairly, kind of expensive for what you’re buying. I just do not feel comfortable with paying $50+ for shoes for my 2 y/o on top of a $30 down payment with the chances of my credit line being declined. If I do not get accepted then that would result in me paying $80 for a pair of shoes then may only be worth $20-$30. I hope it turns out to be what I hoped it would be, a line of credit that I can open and be treated fairly for making payment on time and for the right amount so that it can be beneficial to my credit score. I just cannot be sure that my line of credit will be accepted at the moment and it is an unsettling feeling, Like even if I may accurate payments on time, I will still get declined.

I think it’s great that they offer a fresh start I purchased and have been making payments but do not pay until they call me because I do not get my monthly bill from them and it’s my understanding that it changes every month my due date changes and if I pay early then it’s not good for my credit with them ...I do not understand that but they told me tgey want it to be on the due date to show I can do it right and that I should be getting my bill but I do not I only got it one time and they do have the right address maybe because the mail is messed up from COVID I do not know so I wait until they call then I pay it by their suggestion...every month when they call me they are curious and allow me to pay over the phone with them I know the prices are a little higher but I like a lot of things they offer and will continue to buy from them thank you for the fresh start I appreciate it good luck good health in the new year

I have been banking with Fingerhut for almost 2 years and I have been trying to work on the fresh start card for people who have bad credit and need help establishing good credit supposedly. I had tried three times in my process to complete the fresh start credit card, the first two attempts I had made the mistake and did not pay my payment on time bad news for me. But I went in for a third time but this time I was going to be smart about it and set up auto pay. Apparently their auto pay only works for one month make sure you double check that they are going to make payments every month on time because they have not done that for me. I was having a great day until I received a phone call from one of their offices stating that I had missed a payment. I had then immediately hang up the phone looked at my profile and lo and behold the auto pay had not gone through. I then called customer service immediately asked for a manager spoke with a woman named Denise she was very apologetic but did not want to help me with removing the past due statement. I did not have a good feeling going into this company and I do not have a good feeling going out of this company. I’m paying off the rest of my balance and I will never return to this company. I hope that you come to your senses and illuminate the scam artists the momentYou have the chance.