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Cons: Fingerhut financing uses a hard credit pull on your credit profile and ... Apply Now. Help / Credit. Credit. About Fingerhut Credit. How Do Credit Line Increases Work? How do I update my account information? Customer Service Phone Numbers. How do I make the monthly payments? Can I pay my account off early without penalty? What will my monthly Fingerhut FreshStart® Account payment amount be? How do I make my down payment? 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