1. Visit https://uportal360.com/login
2. Enter your Account Number and Access Code
   1. Choose to Validate your Birthday
   2. Or click on "Answer a Different Question"
   3. Validate the last 4 of your SSN
3. If you cannot login, call Universal Account Servicing, LLC Customer Care: 1-888-233-2302

1. On your Monthly Statement
2. On the Welcome Letter that was part of your contract packet
3. You can also have your Access Code sent to you by selecting 'Forgot Access Code' on the login screen:
   1. On login screen select 'Forgot Access Code'
   2. Enter your Account Number and either your Birthdate or Last 4 of your Social Security Number
   3. Confirm your e-mail address
   4. Select "Send"
   5. Your Access Code will instantly be sent to the e-mail address on file

If you cannot get past the validation option, there may be an error with the data we have on file. This error requires a call to Universal Account Servicing, LLC Customer Care: 1-888-233-2302

1. Phone: 1-888-233-2302
   • Monday - Friday: 7AM - 7PM Central Time
2. Address: PO Box 12027, Parkville, MO 64152
3. Email: [email protected]
4. If you cannot login, call Universal Account Servicing, LLC Customer Care: 1-888-233-2302

1. From the Menu, select Your Account, then select "Contact Info"
2. Your current information will be displayed on the screen
3. Select on Edit to modify any contact information

For ease of use, our system assigns a randomly generated account number and access code. In addition, another data point must be provided to access the account. This meets industry practices to have multi-factor login access.

Security software may recommend you change your password or indicate it may be compromised. UAS can assign a new Access Code if requested. Please know that due to the length of the code and being numeric, this warning is unlikely to change. Any attempt to access your account would also require the additional question to be answered correctly.

Your Payment Card and ACH information is not stored in our portal. No one can access your full payment information even if they have managed to compromise your account. All that is seen is the last 4 digit. We never store the CVV anywhere in our database.

A Co-Applicant will have full access to the Account along with the primary account-holder. After completion of the contract signing process, a copy of the Contract document packet will be provided to the Co-Applicant. The packet will include a Welcome Letter, introducing Universal Account Servicing, LLC (UAS) and the uPortal360 platform, along with information needed to access the Account online. When a Co-Applicant attempts to login to the uPortal360 platform, they will be asked security questions, such as the Birthday or Last 4 of SSN of the primary account-holder. As an Authorized Party on an Account, a Co-Applicant will have the same access and authority on the Account as the primary account-holder when communicating with UAS.

Yes, from the Menu, select Your Account and then select "Agreement Details". Terms, Interest Rate and a copy of your contract are available.

Please contact Universal Account Servicing, LLC Customer Care: 1-888-233-2302. Depending on what information that you are needing to update, we will require that you send us a copy of one of these documents that includes the information that you are requesting to be changed:

This notice is specific to student loan borrowers regarding certain alternative repayment and/or hardship arrangements for which you may be eligible. Your private student loan provider does not provide alternative repayment or hardship arrangements for retail installment contracts. As the third-party student loan servicer, UAS does not provide alternative repayment options and/or hardship arrangements unless directed to by your private student loan provider. For further details, please contact us at (888) 233-2302 or contact your student loan provider directly to discuss what options may be available.

An explanation of how your payments are applied can be found in your Agreement or Contract. Generally, UAS applies payments for certain credit products as detailed below.

Bank Installment Loans and Retail Installment Contracts: We generally allocate all payments first to interest, then to any unpaid fees, and then to the balance of outstanding principal.

Retail Installment Credit Agreements: We generally apply payments first to outstanding finance charges (interest), fees and any past due amounts. After outstanding fees and past–due amounts are paid, the Minimum Monthly Payment as well as any excess over the Minimum Monthly Payment, will be applied as follows: First to special promotional financing term amounts in the order of expiration, soonest first, next to interest-bearing amounts, in interest rate order, higher rates first (if applicable).

1. From the Menu, select Your Account, then select "AutoPay"
2. Select Setup AutoPay
3. If you do not have a Payment Method on file, add a Checking Account or Credit Card
   1. See "How do I manage Payment Methods?" for help
4. Select your Payment Method for AutoPay
5. Select Minimum Payment or enter an Override Payment Amount for accelerated payoff
6. Read the Disclosure
7. Sign by using your finger on a Phone or Tablet, or click and hold the left mouse key as you draw a signature
8. Select Submit
9. AutoPay Success Message will be displayed.

1. From the Menu, select Your Account, then select "AutoPay"
2. Click on Opt-Out

1. From the Menu, select Your Account, then select "Payment Methods"
2. You can "Add" Methods at anytime
   1. Click Add
   2. Select Checking or Credit Card
   3. Checking Account
      1. 9 Digit Routing Number
      2. Account Number
      3. Billing Address
      4. Select Save
   4. Credit Card
      1. 16 Digit Card Number
      2. Exp Month and Year
      3. Billing Address
      4. Select Save
3. Edit - Pencil Icon
   1. Allows you to update your Billing Address
4. Delete and Copy - Two Pages Icon
   1. Used to change your Card Number or Expiration Month/Year of the Card on File
5. Delete - Red Trashcan
   1. Removes the Payment method from our system
6. Delete Payment Method used for AutoPay
   1. If you delete a Payment Method that is used for AutoPay, you will get an error
   2. You must first Opt-Out of AutoPay, See "Can I Opt-Out of AutoPay?"

Yes, from the Menu, select Your Account and then select "Transactions". You will see a list of all Payment history as well as any other types of transactions.

Yes, from the Menu, select Your Account and the select "Charges".

1. From the Menu, select Your Account, then select "AutoPay"
2. Select "Update"
3. Choose your Method of Payment or Add Another Payment Method
4. Select Minimum Payment or enter Override Amount
5. Sign
6. Select "Submit"

Certain payment limitations may apply to your account. Please contact Universal Account Servicing, LLC Customer Care: 1-888-233-2302 to resolve your issue and complete your payment.

Payment Method Validation Troubleshooting

You received a message stating, something went wrong. Before you search for the applicable error code, please review the troubleshooting steps below to fix the most common issues.

1. Payment Method (Type of payment method selected must match card being used)
2. First name and Last name are spelled/entered correctly
3. Address (street number, apart/unit number, city, state, zip code, country). Address associated with card must match the address entered
4. Checking account and bank routing number were entered correctly
5. Credit/Debit card number is entered correctly
6. CVV/CVC is entered and correct
7. Expiration month/year is correct (confirm the card is not expired and entered in correct format mm/yy)

Error Message	Resolution
Account Closed	Check processor (RPS) has declined the transaction because the account has been closed.
Auth Service unavailable	An unexpected internal error occurred. Contact [email protected] for assistance.
Billing City does not match zip code	Check city and zip code entered and confirm they are correct.
Billing State does not match zip code	Check state and zip code entered and confirm they are correct.
Card not accepted by merchant, please try different card	The card has not been accepted by merchant; please use new card.
Cardholder state or zip code is required	Check and confirm both state and zip code are entered.
Check processing temporarily offline. Please try again shortly.	Internal system error, please wait and try again later
Credit card has expired	Expiration date for card shows in past. Review to confirm expiration is correct and/or enter new card.
Declined - Stop Payment (RPS)	Check processor (RPS) has declined transaction because a stop payment was issued by this account. Please contact bank for details.
Duplicate Check	Check processor (RPS) has declined transaction due to a duplicate check. Please contact bank for details.
Error storing payment method record	The system was unable to store the payment method. Could be a temporary system issue or payment method no longer exist. Review the information and try again.
Funds cannot be released for this transaction	The transaction type does not support releasing funds, or the transaction has passed the time limit for releasing funds. Contact card issuer for assistance releasing a hold on card.
Invalid account type specified	Review payment method and select either checking or savings.
Invalid Card Look Up	A valid card lookup string was not provided. Please try again. If problem persists, contact [email protected]
Invalid card number	The card number entered does not appear to be valid. Review card number entered and confirm it matches card. Do not include spaces.
Invalid check format specified	Check format must be a valid 3 character format code or left blank
Invalid checking account number	The checking account number does not appear to be valid. Review number entered and confirm it is correct.
Invalid expiration date	Must be in MM/YY format: review and correct to match your card's expiration date.
Invalid Routing number	The bank routing number does not appear to be valid. Review number entered and confirm it is correct.
Invalid schedule	Invalid schedule specified. Check documentation for a list of valid schedule designations.
Invalid transaction data	Missing or invalid fields were detected. Review all fields and enter missing/incorrect information.
Merchant does not accept this type of card	Card entered is not accepted. Review list of acceptable cards and enter new card.
Merchant does not accept transactions from (country)	Country entered is not acceptable. Enter new card with acceptable country.
Payment details missing	Customer payment method must have credit card data or check data completed. Payment method cannot be created without information.
Payment method is not a check	Account type and Check format may only be set on payment methods that are check. The default payment method is not a check. Review and correct necessary information.
Payment method not added because verification returned (response);(errorcode); (reason).	Payment method not added as the credit card data did not return an approval when running an authorization. Contact [email protected] for assistance.
Processing error, please try again	An unexpected error occurred when processing your payment. Please resubmit payment.
Processor temporarily unavailable	Processor returned an unexpected error. Contact [email protected] for assistance.
Received error from check processor	Check processor returned unmapped error. Contact [email protected] for support.
Requested payment method not found	Payment method specified was not valid. Review payment details match to that of payment method selected.
Session timed out, please re-login	Your current session timed out. Return to login screen and enter credentials to try again. Timeout duration can be adjusted in settings.
Stolen/Forged Checks (RPS)	Check processor (RPS) has declined transaction as the account has reported stolen/forged checks. Contact your bank for details.
System temporarily unavailable	Unable to load required resources to store transaction record. Retry transaction and if problem persist, contact [email protected]
Temporarily unable to process transaction. Please try again shortly.	An unexpected internal error occured. Please wait and try again.
Transaction Declined (RPS)	Check processor (RPS) has declined transaction, no reason provided. Contact bank for assistance.
Transaction exceeds maximum amount	Maximum amount of payment allowed is $20,000.00. Please adjust your transaction appropriately.
Unable to apply changes, please retry	Failed to commit changes to transaction (internal error). Retry transaction and if problem persist, contact [email protected] for support.
Unable to create customer payment method from requested transaction	System was unable to convert the requested transaction into a customer payment method. The original transaction data might not be sufficient. Check all requested fields are completed and correct.
Unable to load payment method	The system was unable to store payment method. Could be a temporary system issue. Try resaving payment method.
Unable to locate requested payment method	The system was unable to load the requested payment method. The method was most likely deleted by another process. Re-enter payment method information and save.
Unable to perform requested action	An unexpected internal error occurred. Contact [email protected] for assistance.
Unable to process transaction	Unexpected processor error occurred. Review payment method and retry transaction.
Unable to retrieve list of banks	An unexpected error occurred while trying to retrieve bank list. Retry to confirm information. If problem persists, contact [email protected] for support.
You have tried too many card numbers, please contact merchant	The transaction has been blocked due to the amount of card numbers used. Contact [email protected] for support.
Your billing information does not match your credit card. Please check with your bank	Review your address and confirm it matches the billing address associated with the card being used.

Didn't find what you were looking for? Contact our support team at (888) 233-2302 or [email protected].

UAS may offer special promotional interest terms, such as a deferred interest term, for select purchases.

A deferred interest promotion is not a zero-interest loan; rather, it means that interest is calculated, but not added to your Account balance if 1) the balance is paid in full within the promotional period, and 2) scheduled monthly payments are made on time each month. If the conditions of your special promotional interest terms are not met, interest will be charged from the date of the qualifying purchase at the Annual Percentage Rate (APR) disclosed in your Agreement or Charge Slip, as applicable.

The terms of any special promotional interest terms are detailed in your Agreement or Charge Slip, as applicable. For example, you may see special promotional interest terms such as:

• No Interest if Paid in Full Within 6 Months
• No Interest if Paid in Full Within 12 Months
• No Interest if Paid in Full Within 24 Months

When choosing how to pay your balance, keep in mind that you may need to pay more than the scheduled monthly payment each month in order to pay off the qualifying purchase by the promotional expiration date.

Review your monthly billing statement for important details regarding any applicable special promotional interest terms.

Regular Account terms apply to non-promotional purchases and, after a special promotion ends, to qualifying purchases. Special promotional interest terms are subject to credit approval.

Video
Please watch this educational video about Deferred Interest promotion.


FAQs

How do I know if I have a Promotional Offering?
Any “Special Interest Terms” will be noted in the Agreement or Charge Slip, as applicable, and are listed on the billing statement.

Is this a No Interest or a 0% Interest loan?
No. Interest is still calculated from the purchase date at the APR disclosed in your Agreement or Charge Slip, as applicable. By meeting the terms of the promotion, interest will not be added to your Account.

How do I see the promotional balance amount?
The new balance disclosed in the Summary of Account Activity section on your billing statement, is the amount you must pay in full by the end of the promotional period to avoid paying the total deferred interest charges.

How do I see the deferred interest charge?
On your billing statement the "Total Deferred Interest Charges" show the consumer how much-deferred interest will be charged if they do not meet the terms of the promotion.

What are some flexible options to make it easier to pay your promotional balance by the end of the promotional period?

1. Choose how you want to pay.
2. Take advantage of Autopay.
3. Make larger payments less frequently. (Even if you make larger payments less frequently you must still make the Minimum Monthly Payment to avoid penalties & fees).

If I only make the minimum payment due each month, will I pay off the entire purchase by the end of the promotional period?
You may not pay off the entire purchase by only making the minimum payment due, you may have to pay additional amounts to pay the balance in full by the end of the promotional period.

Do I have to make equal payments to meet the promotional period?
No, but you do have to pay at least the minimum monthly payment on time each month. You must also pay the balance in full prior to the expiration date to avoid paying interest.

Will my monthly payment amount change after the promotion expiration date?
No, your monthly payments are based on a percentage of the highest account balance.

Will my interest be compounded and result in more interest being charged? If so, can I decline the promotional offer?
No, the promotional term does not result in more interest being accrued or assessed. Your loan is a Simple Interest loan with payments based on a percentage of the highest account balance. The Deferred Interest offer provides you an option to avoid paying interest if the terms of the promotion are met.

You can contact each of the three major credit bureaus (Experian, Equifax, and TransUnion) at any time to make sure your information (Name, Address, Credit Freeze, Fraud Alerts) are accurate and up to date.

Below are the steps to create a TransUnion account, manage credit freezes, review your report, and how to create a dispute to update your data on file (if your information is not up to date). Remember, each credit bureau (Experian, Equifax, and TransUnion) has its own website that allows you to perform similar actions. The credit bureaus do not share this information, so you will need to check them individually. Since UAS primarily uses TransUnion, it's best to start with them. Experian may also be used.

Transunion – Consumer Service

Open your browser and go to https://www.transunion.com/ Select Meber Login
Select Service Center > Login
On the Home page of your account, you can navigate through the tabs as desired.
On the Credit Freeze tab, you can manage adding a freeze or lifting a freeze.
On the Dispute tab, consumer can review their information without pulling a credit report or they can update any data and provide any documentation, click on “START NEW REQUEST” > “AGREE & CONTINUE”. If a consumer sends in a dispute, TransUnion will provide the time frame in which the dispute will reflect to your credit report.
On the “Credit Report” tab, you can view your previous report (if you have one), or you can request a new report.