If you’ve spotted “WebBank Fingerhut” on your credit report, you’re probably wondering what it means—and whether you need to take action. Here’s what’s going on and how to handle it if the inquiry doesn’t belong there.
What WebBank Fingerhut Means on Your Credit Report
WebBank Fingerhut shows up when you apply for a Fingerhut credit product. Fingerhut partners with WebBank to issue two types of accounts:
- Fingerhut Fetti Credit Account – A revolving line of credit used for shopping through Fingerhut.
- Fingerhut FreshStart Program – An installment loan that may graduate into a revolving account after a series of on-time payments.
Both are designed to help people build or rebuild credit—but applying for either triggers a credit check.
Why You See WEBBNK/FHUT or FETTI FINGERHUT/WEBBANK
If you notice codes like WEBBNK/FHUT or FETTI FINGERHUT/WEBBANK on your credit report, it means WebBank performed a credit inquiry after you applied. This is considered a hard inquiry, which temporarily lowers your credit score by a few points.
How WebBank Fingerhut Inquiries Affect Your Credit Score
Hard inquiries are part of applying for credit and usually have a minor impact. A single inquiry might drop your credit score by just a few points. But several inquiries in a short time can raise red flags for lenders and may have a larger effect.
How Long WebBank Fingerhut Inquiries Stay on Your Report
A WebBank Fingerhut inquiry stays on your credit report for up to two years. All three major credit bureaus—Equifax, Experian, and TransUnion—record these inquiries. Even if your application was denied, the inquiry remains visible to lenders reviewing your credit file.
What to Do if You Don’t Recognize the Inquiry
If you don’t recall applying for a Fingerhut account, don’t ignore it. Here’s what to do:
- Contact Fingerhut – Ask for details about the application linked to the inquiry.
- Check With WebBank – Confirm whether the inquiry came from a valid application.
- Report Suspicious Activity – If you suspect identity theft, place a fraud alert and consider freezing your credit.
How to Remove an Unauthorized WebBank Fingerhut Inquiry
If the inquiry wasn’t made by you—or was added in error—you can dispute it with the credit bureaus. You’ll need to file a dispute directly with each bureau that lists it and include any documentation that supports your case.
This process can be time-consuming, especially if you’re trying to fix multiple issues. That’s where a credit repair service may be able to help.
Regain Control of Your Credit Today
Credit Saint is a trusted credit repair company that helps people challenge unauthorized inquiries, late payments, collections, charge-offs, and more. If you’re overwhelmed by negative marks on your credit report, they’ll work on your behalf to clean things up.
They even offer a 90-day money-back guarantee, so you have nothing to lose. Take the first step—visit their website and request your free credit consultation today.
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