FES PROTECTION PLAN PLUS
Offering great savings and benefits!
The FES Protection Plan Plus gives customers the ability to save money on products they already use. Make your life simpler from the comfort of your own home. From your phone to your vacation plans, get the most out of your life by utilizing our helpful suite of products!
When it comes to your health and your assets, you're used to being in charge. The decisions you make for yourself and your family are important because you know what's best for you. Unfortunately, in the event that you are not able to speak on behalf of these decisions, someone that doesn't understand your wishes may end up making them for you. Without an estate plan in place, these crucial choices regarding YOUR health, YOUR finances, and YOUR family are suddenly out of your control.
Many people disregard planning for unexpected events because they're "too young," it's "too expensive," or they just don't realize the importance of each piece that goes into a Will & Trust. MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan.
MY CARE PLAN
Essentials for Life’s Uncertainties
SECURE CARD
Build or Re-Build Credit
The First Progress Platinum MasterCard® Secured Credit Card is a full-feature Platinum MasterCard® with a credit line based on a security deposit rather than on a credit score. You post a security deposit to establish your credit line and that deposit serves as collateral for your obligations on the secured credit card account. The card is designed to advance the accumulation of new information in a credit file by reporting account activity to all three of the major national credit bureaus every month. And because it’s a full-feature Platinum MasterCard®, the card provides the protection, convenience, and prestige of the worldwide MasterCard® system.
First Progress Platinum MasterCard® Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC.
11.99% Variable APR for Purchases 18.99% Variable APR for Cash Advances. The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance, whichever is greater $44 Annual Fee
A Credit Report Unlike Any Other and Revolutionary Money Manager
We've made your credit report horizontal and easy to read! Search or find anything quickly and utilize tabs to view more or less detail. Through Smart Credit, you'll be able to view your credit score, auto score, insurance score and even a hiring risk index for job seekers.
Mange all of your online accounts in one place, integrated with your credit and identity. Not only is it the best and most complete picture of your money, but it's interactive! You can use Action buttons to ask your creditor a question about your account or a transaction- no phone calls or writing letters are necessary. Track and update your account balances, bills coming due and transactions each day.
SMART CREDIT
Credit Scores and Credit Monitoring
MERCHANT SERVICES
Accepting Payments
Accepting credit and debit cards, safely and securely, is important and crucial for all businesses in any industry. International Bancard is your businesses’ credit card services partner for accepting credit and debit cards, anytime and anywhere. Our team is invested in helping your business grow. Help your business streamline payments by accepting all major credit cards with International Bancard.
Delivering user-friendly payment options for a variety of industries, International Bancard serves more than 60 industries, from brick and mortar stores to ecommerce-based businesses. International Bancard’s goal is to partner with businesses and create long-lasting relationships, while ensuring all needs are met.
Whether it’s online, onsite, or on-the-go – International Bancard will help!
This valuable program will guide you through simple steps to maximize your credit potential. Our large financial resource center, payment calculators and financial planning documents are included to answer all questions related to your unique financial situation.
Ultra Score™ offers several years of combined experience developing personalized solutions for clients adversely affected by low credit scores. Ultra Score™ enables our clients to understand their credit file and the negative impact of a low credit score, as well as how to effectively manage their credit and how it affects the decision-making process used by lenders.
We understand that you need high quality, effective and informative information to achieve your financial goals. We know how to pay attention to detail and manage the steps to provide you the most comprehensive and up to date information in the credit industry.
ULTRA SCORE
Understand Your Credit Report
RENT REPORTING
Build Your Credit With Rent
If you’re a renter, your largest monthly expense is probably your rent payment. Yet you don’t build your credit score by paying your rent on time. You can be penalized on your credit report for a rental eviction but you aren’t rewarded for being a responsible renter and making your rent payments. This puts you at a disadvantage because you’re not building credit with a major monthly expense. Homeowners build their credit score by paying their mortgage. It’s time you build your credit score by paying your rent.
We find your online accounts for you. No guessing or searching required.
All your accounts are updated throughout the day, including pending transactions.
Ask your bank or credit card company anything with a click of a button.
Easy and Advanced modes make it perfect for any user. It’s also easy to read and understand your credit with horizontal sliding features. Search and sort to find anything fast.
For the first time your daily transactions are integrated in to your credit report. See how your creditors are reporting you and ensure accuracy.
Get important Alerts with changes to your credit report by phone or email. If you suspect identity theft, just push the button to stop it.
Set up your notifications based on the dollar amount that best suits your needs and get notified right away of important activity.
If you receive an alert about a purchase you did not make, just simply press the button to notify your bank that the purchase was not yours.
Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (“FACTA”), we can get money damages for you if we have to sue the credit reporting agency to get your credit report cleaned up. You may be entitled to actual damages including emotional distress, embarrassment and humiliation.
Timely payments reported as late – Some creditors have collection departments that report payments several day and sometimes weeks after receiving a payment from you.
Derogatory information that remains on a credit report for longer than seven (7) years.
Bankruptcy information that remains on a credit report for longer that ten (10) years.
Home mortgage loans being reported as foreclosures when in fact, no foreclosure had ever been initiated by the lender.
Common causes for Credit Report Errors
Identity Theft – for the past several years, this has been one of the fastest growing crimes in America. Someone gets a hold of your personal information and opens credit accounts in your name.
Mixed/Mismerged data – Two different people with the same name might have data mixed up between their accounts
It’s been proven time and time again that creating a budget can help you pay off debt, save money and put yourself into a solid financial position. Our online budgeting system features a modernized design, with preset categories allowing you to simply fill in the blanks and update along the way. Each month, we’ll track your progress and place it into a budgeting report – allowing you to see the impact of following and maintaining a budget.
