I received the letter about a month ago and I sent them the $43.00 and two and one half weeks later I received my package in the mail. After understanding the letter to mean that I would receive a credit card to use and earn points in the dream rewards program I would be able to rebuild my credit. Then of course I opened the package and with all the lines of misleading information I found out that I did not receive a credit card for my purchases where ever I choose but only from their catalog with a 35% deposit.. I have a credit card from Fingerhut and that is not how business is done.. Also the 35% is only added after certain things have been added and you can bet that the point certificates they send you are not deducted until after the deposit has been figured!!!!! I am sorry that I got ripped off but I am more sorry for the fact that their are people out there that don't care if you use your last dollar or not as long as they get theirs..