I had terrible credit and was in need of some products for my home and my newborn and with Fingerhut they open a loan of $200 in which I pay it quickly then in one month they increase my credit limit to $800 on top of that the items they sale are good quality best of all is that even though I was broke I got to used my $800 new credit limit and order others things I need for my house. The best part of Fingerhut is that bc of having an account with them my credit when from 400 to 585 and is still increasing. I love Fingerhut and will recommend to anyone.