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Answers to Common Financial Questions

Fair Credit Growth provides transparent, personalized financial solutions designed to help Americans move forward with confidence.

Frequently Asked Questions

Quick answers to the most common questions we hear from Americans exploring financial services.

Which U.S. states does Fair Credit Growth serve?

We are licensed to serve clients in all 50 U.S. states and the District of Columbia. Our headquarters is in Vernal, Utah, but our advisors work remotely and in person across the country.

How fast can I get approved for a loan?

Most personal, auto, and business loan pre-qualifications are delivered in 60 seconds with no impact to your credit score. Final funding typically completes within 24-72 hours, depending on documentation.

What is the minimum investment to get started?

You can open a self-directed investment account with as little as $100. Our managed investment services require a $25,000 minimum, and wealth management starts at $500,000 in investable assets.

Are you a fiduciary financial advisor?

Yes. Fair Credit Growth operates as a fiduciary on all investment and insurance recommendations. We are legally obligated to act in your best interest and disclose any potential conflicts of interest.

How much does the initial consultation cost?

Your first 30-minute consultation is always 100% free, with no obligation. We believe in earning your trust before earning your business. Subsequent planning sessions are included in your chosen membership tier.

Do you offer insurance outside the United States?

Our core insurance products cover all 50 U.S. states. We also offer travel insurance for international trips originating from the U.S., and life insurance for U.S. citizens living abroad in select jurisdictions.

How are my funds and data protected?

We use 256-bit AES encryption, biometric authentication, and are SOC 2 Type II certified. Your investments are held at custodial institutions protected by SIPC insurance up to $500,000, and we never sell your data.

Can I switch advisors if I'm not satisfied?

Absolutely. Client satisfaction is non-negotiable. You may request an advisor change at any time with a single phone call — no questions asked, no fees, and your strategy carries over seamlessly.