Fingerhut Collections


Is Fingerhut Collections hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Fingerhut Collections?

Fingerhut Collections is the debt collection arm of Fingerhut, a well-known catalog and online retailer based in Eden Prairie, Minnesota. Fingerhut is a subsidiary of Bluestem Brands, a prominent retail conglomerate.

If you have defaulted on a Fingerhut Credit Account issued by WebBank, you may see Fingerhut Collections listed on your credit report as a collections account. This occurs when your Fingerhut account becomes delinquent, and the responsibility for collecting the outstanding debt is transferred to Fingerhut Collections.

How can I remove Fingerhut Collections from my credit report?

Fingerhut collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Fingerhut Contact Information


7075 Flying Cloud Dr.
Eden Prairie, MN 55344

Phone number: (800) 208-2500

Should I contact or pay Fingerhut Collections?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Fingerhut collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Fingerhut on behalf of their clients.

Will Fingerhut Collections sue me or garnish my wages?

Fingerhut Collections, like other debt collection agencies, has the option to pursue legal action if they are unable to collect the outstanding debt through other means. If Fingerhut Collections sues you and obtains a judgment, they may garnish your wages or levy your bank accounts to satisfy the debt, depending on your state’s laws.

However, it’s important to note that legal action and wage garnishment are typically considered as last resorts. Debt collection agencies typically prefer to explore alternative options for debt resolution before pursuing such measures. This may involve negotiating a payment plan, offering a settlement, or finding a mutually agreeable resolution to the debt.

Fingerhut Collections Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Fingerhut Collections

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Fingerhut Collections to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Fingerhut Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Fingerhut Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Fingerhut Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Fingerhut Collections From Your Credit Report Today!

Credit Saint can help you dispute Fingerhut collections. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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