Waste of time
I worked with them in the past, they got me two small credit cards, but didn't like the fact that they don't listen. I told them not to apply to Amex, because I discharged AmEx in BK a decade ago, and apparently AmEx blacklists you for life after that, F&G still applied to them, of course got denied, and I ended up with a useless inquiry on my report. This time around decided to apply again, credit is good, everything is good, but every time I call them there is something new: you need to pay down your business cards to 50% and personal cards to 30% - OK, spent $40,000 and done. Next month, you need to pay off a closed account ($64) - OK, done, had to wait a month for a new statement. Next month, you need to remove inquiries. Three months and something new every month, I finally lost interest. If you are looking for an ideal client with 10% credit usage, 800 score and no inquiries on the report, I don't need you, I can waltz into any bank and get what I need. Waste of time!