Who is Fingerhut Collections?
Fingerhut Collections is a catalog/online retailer located in Eden Prairie, Minnesota. Bluestem Brands is their parent company.
You may see Fingerhut collections listed on your credit report as a collections account. This can happen if you’ve defaulted on a Fingerhut Credit Account issued by WebBank.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
Fingerhut Contact Information
7075 Flying Cloud Dr
Eden Prairie, MN 55344
Phone number: (800) 208-2500
Should I contact or pay Fingerhut Collections?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to deal with Fingerhut collections is to work with a credit repair professional. They delete millions of negative items every year from companies like Fingerhut for millions of clients nationwide.
And they may be able to help you too.
Will Fingerhut Collections sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account with credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Fingerhut again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Is Fingerhut Collections hurting my credit score?
The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.
Fingerhut Collections Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Fingerhut does too.
Remove Fingerhut Collections From Your Credit Report Today!
Lexington Law specializes in disputing Fingerhut collections. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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