What Happens the Moment Fingerhut Processes Your Order Fingerhut is not simply a retailer that ships merchandise. It is also a credit issuer. The Fingerhut Credit Account and the FreshStart program are installment-credit products aimed squarely at consumers with thin credit files or subprime histories — shoppers who …

The Law Exists for a Reason Congress did not build an opt-out right into the Fair Credit Reporting Act (FCRA) because prescreened credit and insurance offers are harmless. The law recognized that giving the nationwide credit bureaus broad authority to sell consumer names and addresses to lenders creates real exposure — …