Is Fingerhut FreshStart the Best Option for You?

Is Fingerhut FreshStart the Best Option for You?

You deserve to have a clean credit report that recognizes all of the hard work that you have put into making sure you get exactly the treatment that you deserve when you apply for credit.  is one website that helps people get the credit that they deserve. Instead of focusing on the traditional credit score that one has already established for themselves, seeks to help people get a fresh start on their credit score.

How it Works

The  approach is different from what most other websites offer. This is to say that they will help people who may have struggled with their credit in the past to help them get started once again. They ask new customers to follow these steps: 

  1. Apply and receive a credit decision
  2. Shop various products with reasonable monthly payments that you can afford
  3. Build up your new credit history

There are a lot of people who see this and think that something like this could never be possible, but it truly is. has taken the approach that everyone deserves a second chance, and they want to help their customers build their credit report back up. This is to say that they want to make sure that people have the chance to create a credit score that more accurately reflects who they are as a person once again.

Two Programs Available to You

There are two main programs offered by that can potentially help you get started rebuilding your credit the way that you would like.

  1. Fingerhut Fetti - This is a traditional credit account that you can use to purchase anything on their website at all. If you use this type of account, you can bet that you will be able to build your credit up just as you might with a traditional line of credit. It is a great way to get started and get excited about taking steps in the right direction.
  2. Fingerhut FreshStart - This is a program that is better for those who are starting over on their credit journey or who are starting out for the first time. Either way, the FreshStart program is ideal for those who need to create a fresh beginning.

You will find that both programs are ideal for someone who is looking to create the kind of situation where they can begin to create a new credit life for themselves. New customers are asked to look at both programs to see if they can figure out which one is the best for them and their personal situation. It may or may not be obvious right off the bat, but it can usually be cleared up with a little education about both programs.

Here’s how to reach
Corporate Phone Number1-952-656-3700
Customer Service Phone Number1-800-208-2500
Corporate AddressFingerhut c/o Bluestem Brands

6509 Flying Cloud Eden Prairie, MN 55344

Customer Service AddressFingerhut Customer Service

6250 Ridgewood Rd., St. Cloud, MN 56303

Disputing an Account on Your Credit Report

Many people have errors on their credit report. As it turns out, this is one of the most common situations for people to run into because credit reports are notorious for having errors on them. Thus, it is necessary to take this into account before you simply assume that your credit report is accurate for how you handle debt. The reality is that there is probably something that is incorrect on your report. Fortunately, this can be corrected by disputing a report that is inaccurate.

You can always do the following: 

  • Send a debt validation letter to make the creditors prove that the debts are yours
  • Dispute that you ever opened a specific credit account for yourself
  • Get in touch with a professional credit clean-up service that can help you out

These are all options that are available to anyone who finds themselves in a situation where they don't necessarily have the credit report that they had hoped for and intended to have.

How DoNotPay Will Help

There are specific steps that DoNotPay can help you out with when it comes to clearing up your credit report so it will look just the way that you need it to. If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.


  2. Prepare a recent copy of your credit report that you can use as reference.


  3. Let us guide you through the 4 potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.


  2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.


  3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!


  4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.


You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more! Just follow these steps and you will be on your way towards getting a cleaner credit report that you can truly rely on.

What Else Can DoNotPay Do?

There are many other issues DoNotPay can help you solve. These include:

Sign up today and dispute your credit report fast!

Want your issue solved now?