I've been using Fingerhut to build credit it WAS a useful tool. Not anymore due to no fault of my own Fingerhut shipped a very costly item to the wrong address in November I am now making payments on an item I don't even own! I have been told the issue was taken care of and I was Emailed regarding this numerous times. No Emails have been sent no help has been rendered at all! The customer service people are not only stark raving liars but also completely inept. I've never been so disappointed with this company and DO NOT reccomend them as a credit tool. I was a fan until the chips were down and Finger hit will not compensate me for THEIR mistake yet they expect me to pay an exorbitant amount of money for an item I really needed but am paying for their idiotic and continued mistakes.