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Introduction

Welcome to our Reports and Invoices site. The goal of this site is to provide you with all the details of our Reports and Invoices. Each Report and Invoice available to our clients has been documented on this site.

For each report, we define the Description, Provide a Screenshot, Define all the Fields and supply FAQs.

For each Invoice you will find a PDF that details all the items on the Invoice.

uPortal360 Reports - Standard Features

Take a minute to watch our video overview of uPortal360 reports.



Uasstdreportfeatures

  1. Run - Most reports have the ability to specify a date range. Enter your range and hit RUN to generate data based on the values you entered.
  2. Export to CSV or Print
    • CSV can be opened in Excel or Imported into Database Applications
  3. Change Number of Records Displayed with Show Entries. You can show 10, 25, 50, 100 records at a time.
    • 3a - Displays what set of data is displayed and a total count
    • 3b - Pagination to page through all results based on number of rows specified in Show Entries
  4. Sort by any Column, just click on the column name and click it again to reverse the sort order.
  5. Search within Report Results
  6. Hyperlink to View Account details
    • Anytime the Acct # is listed on the report you will see it setup as a hyperlink.
    • When viewing a customer from uPortal360, you will be logged into the same interface they see when they manage their account.
    • Your access will be read only, but you will be able to see everything about the account including detail the customer cannot see like internal cases and servicing notes.

Report Permissions

By default, we do not setup users with Reports. Reports are assigned by user and can be assigned by the Client Admin or by your Account Manager. We’ve grouped reports into report sets. When assigning reports to users, they are always assigned by report sets.

Contracts Report Set

These are the most requested and useful reports for all of our clients. All contract types (Open or Closed Ended) work with these reports.

Account Summary

The Account Summary report will show ALL accounts where the status is Active and the account is in SRV (servicing) status. The goal of the Account Summary report is to show you the most relevant data about the status of all your accounts.

Please Note that the data on this report is real time and is accurate at the time you run the report.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Status Primary Status of the Contract. Our system supports Pending, Active, Closed, Cancelled and VOID Statuses, but this report only shows Active Active
Sub Status Provides more detail about the Contract Status Current, Past Due, Write-Off Review
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
Active Date Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. 2017-10-11
Note Date Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. 2017-10-11
Interest Rate Displayed as a whole number not a decimal. 10.00 is same as 10%. 10.00
Term Number of Payments needed to Payoff the Balance of the Contract. 60
1st PMT Date Date 1st Payment is Due. 2017-06-01
PMT Due Day Day of the Month Payments are Due. 1
Next PMT Due Date the next payment is due for this Contract. 2017-11-01
PMT Monthly Payment Amount 164.93
PMT Override If consumer elects to change the default payment amount, the amount they setup AutoPay for would be found here. It must be greater than the Payment Amount. 0.00 or a number over $164.93
Past Due Amt If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. 0.00
Min PMT Due Monthly Payment plus and Past Due amount is the Min PMT Due. 164.93
Delq Date Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. 2017-09-01
Delq Days Delinquent Days the account has been Delinquent. 60
Delq Days EOM Days the account will be Delinquent at the end of the month if no payments are made. This is useful to determine if the account is subject to write-off this month. 90
AutoPay Type If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) NONE
Credit Charges Total of All Charges Made to Account (Open-End Credit Only). 1000.00
Credit Line Amount of Credit extended to consumer (Open-End Credit Only). 2000.00
Credit Balance Amount owed (Open-End Credit Only). 800.00
Credit Available Amount of Credit available for additional purchases. Only usable if account is Current and not past due. (Open-End Credit Only). 1200.00
Amt Financed Amount Financed by consumer. (original Charge amount if Open-End Credit) 6986.00
Total Amt PMTs Total of all Payments Made 350.00
PMTs Made Count of Payments Made - Formula: Total Transactions Divided By PMT Amount 2
Prin Adj Principal Adjusted. If negative this decreased the amount of pricipal owed, if positive it was increased. Adjustments are typical in case of some type of refund or to correct a mistake to an amount entered. -160.00
Prin Pd Principal Paid - Amount of Payments applied to the Principal Balance. 100.00
Prin Bal Principal Balance - Amount of Principal currently remaining. 6886.00
Int Accrued Amount of Interest Accrued on the Contract. If special promotion is active, the Accrued amount can be higher than the Assessed amount as the promo maybe deferring interest for a promotional period. 10.00
Int Assessed Amount of Interest Assessed on the Contract. This amount is owed. 10.00
Int Pd Interest Paid - Amount of Payments applied to Interest 10.00
Int Bal Interest Balance - Amount of Interest currently remaining. 0.00
Fees Assessed Amount of Fees charged on this Contract. Could be Late Fee or NSF Fee. 20.00
Fees Pd Fees Paid - Amount of Payments applied to Fees. 10.00
Fees Bal Fees Balance - Amount of Fees currently remaining. 10.00
Payoff Amt Principal Bal + Interest Balace + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. 6896.00

FAQs

Yes, the data on this report is pulled directly from our live system when it’s ran. Information will change daily like Interest Assessment or when Payments are made.

Payments made today will start in a processing status. We settle all payments after 9PM CST everyday. Once a payment is settled it will go into a complete status and completed payments are applied to the Interest, Principal and Fee balances on the Contract.

If a payment is made after 3PM CST it may not settle the same day and will remain in processing until it settles the next day.

You can open the customer’s account in uPortal360 and click on Transactions. This will show you all payments including payments in processing status.

UAS uses Simple Interest to calculate the payment amount for contracts. You can verify payment calculations with many websites. We like to use http://www.efunda.com/formulae/finance/loan_payment.cfm

New Contracts

Report on Contracts based on the Active Date. Active Date is the date when UAS started to service the Contract.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
Active Date Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. 2017-10-11
Note Date Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. 2017-10-11
1st PMT Date Date 1st Payment is Due. 2017-06-01
Cash Price Retail amount of the Items(s) purchased 800.00
Down Payment Amount paid in Cash or discounted from Retail Price. 200.00
Financed Amount Retail Price less Cash Price is the Amount Financed. 600.00
Interest Rate Displayed as a whole number not a decimal. 10.00 is same as 10%. 10.00
Payment Term Number of Payments to Payoff this Charge 24
Seller Name of Client Employee that created this Contract Carl Client

FAQs

Transactions

Report on Contract Transactions (Payments, Adjustments, and Fees) based on the Payment Processed Date. Payment Processed date is the date the transaction values impact the Contract balance.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Transaction ID Unique ID for this Transaction 1234567
PMT Received Date Payment was Received 2017-11-10
PMT Processed Date Payment was Processed - Counted towards Balance 2017-11-10
Status Status of the Transaction (PENDING, PROCESSING, COMPLETE, DECLINE) COMPLETE
Type Various types to further define payment types or adjustments PMT - ACH
PMT Amt Amount of Payment Made 198.00
Fees Amount of the Payment applied to Fees 0.00
Interest Amount of the Payment applied to Interest 10.00
Principal Amount of the Payment applied to Principal 180.00
Adjust Amount Amount of Adjustment Made 50.00
Adjust Fees Amount of Adjustment applied to Fees 0.00
Adjust Interest Amount of Adjustment applied to Interest 0.00
Adjust Principal Amount of Adjustment applied to Principal 50.00
Fee Charged Fee amount assessed 10.00
Card Type Specific Card Type - (VISA, MASTERCARD, DISCOVER, AMEX) VISA
PMT Maps Number of Payment Maps - Used on Open-End Contracts to map a Payment to multiple Charge Slip balances. 0

FAQs

Most clients will use this report to understand Cash collected. Adding other status will force everyone to sort or remove transactions based on a Status.

Charge Slips Report Set

These are the most requested and useful reports for Open Ended Contracts (aka - Retail Installment Credit Agreements, Revolvers, Open Line of Credit)

New Charges

This report will allow you to show new charge slips based on Active Date. Open Ended contracts can have one to many Charges.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Charge Slip Charge Slip Number ABC1234LOA01-001
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
Active Date Date the Charge was Activated in our system 2017-10-11
Charge Date Date Charge was entered into the system 2017-10-11
Description Describes what was charged to the account Widgets or Services
Cash Price Retail amount of the Items(s) purchased 800.00
Down Payment Amount paid in Cash or discounted from Retail Price. 200.00
Financed Amount Retail Price less Cash Price is the Amount Financed. 600.00
Payments Number of Payments to Payoff this Charge 24
Promo Days Days of Deferred Interest - No Interest if Balance Paid in Full before Charge Date plus Promo Days 185
Promo End Date Date the Promo Period Expires for this Charge 2017-04-11

FAQs

Transactions w/ Multiple PMT Maps

When a contract has more than one Charge, transaction amounts maybe applied to different charges. See the FAQs for information from our standard agreement about how payments are applied.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Charge Slip Charge Slip Number ABC1234LOA01-001
Transaction ID Unique ID for this Transaction 1234567
Type Various types to further define payment types or adjustments PMT - ACH
Payment Processed Date Payment was Processed - Counted towards Balance 2017-11-10
Total Payment Amount Amount of Payment Made 198.00
Payment Applied to Interest Amount of the Payment applied to Interest 10.00
Payment Applied to Principal Amount of the Payment applied to Principal 180.00
Total Adjustment Amount Amount of the Adjustment 50.00
Adjustment to Interest Amount of Adjustment applied to Interest 50.00
Adjustment to Principal Amount of Adjustment applied to Principal 50.00

FAQs

While our default has been the same for many years now, this can change and it’s always the best option to pull up the original contract to confirm the payment allocation logic.

Payment Allocation. You agree that we may choose which Account balances to pay first with your payments, unless the law or our Agreement otherwise requires us to apply payments in a particular order. Payments will be applied first to outstanding finance charges, 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 promotional “Deferred Interest” or “Same as Cash” amounts in the order of expiration, soonest first, next to interest-bearing amounts, in interest rate order, higher rates first (if applicable).

Trending Data Report Set

Reports in this set are designed to help you see trends in your portfolio.

EOM - Account Summary

The EOM Account Summary report will show ALL accounts that were in servicing for the End of Month (EOM) Date. For example EOM Date of 2017-08-31 will show every account that was Active in August 2017 or was Closed/Cancelled in August 2017.

Please Note that the data on this report is locked as part of our EOM process and will not change. This report allows you to see progress of portfolio month over month.

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Field Definitions

Column Name Definition Example
EOM Date End of Month - Data in the system as of the Last Day of the Month displayed 2017-08-31
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Status Status of the Contract (Pending, Active, Closed, Cancelled and VOID) Active
Sub Status Provides more detail about the Contract Status. Active: Current, Past Due, Write-Off Review Closed: Attorney Retained, Bankruptcy, Buyback, Canceled, Client Cancel, Contract Error, Deceased, Fraud, Paid, Refund, Refusal, Rewrite, Sent to Collection Agency, Skip, Small Balance Write-Off, Transfer Account, Write-Off) Current
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
Active Date Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. 2017-10-11
Note Date Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. 2017-10-11
Interest Rate Displayed as a whole number not a decimal. 10.00 is same as 10%. 10.00
Term Number of Payments needed to Payoff the Balance of the Contract. 60
PMT Due Day Day of the Month Payments are Due. 1
Next PMT Due Date the next payment is due for this Contract. 2017-11-01
PMT Monthly Payment Amount 164.93
AutoPay Type If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) NONE
Past Due Amt If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. 0.00
Min PMT Due Monthly Payment plus and Past Due amount is the Min PMT Due. 164.93
Delq Date Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. 2017-09-01
Delq Days Delinquent Days the account has been Delinquent. 60
Credit Line Amount of Credit extended to consumer (Open-End Credit Only). 2000.00
Credit Balance Amount owed (Open-End Credit Only). 800.00
Credit Available Amount of Credit available for additional purchases. Only usable if account is Current and not past due. (Open-End Credit Only). 1200.00
Amt Financed Amount Financed by consumer. (original Charge amount if Open-End Credit) 6986.00
Total Amt PMTs Total of all Payments Made 350.00
PMTs Made Count of Payments Made - Formula: Total Transactions Divided By PMT Amount 2
Prin Adj Principal Adjusted. If negative this decreased the amount of pricipal owed, if positive it was increased. Adjustments are typical in case of some type of refund or to correct a mistake to an amount entered. -160.00
Prin Pd Principal Paid - Amount of Payments applied to the Principal Balance. 100.00
Prin Bal Principal Balance - Amount of Principal currently remaining. 6886.00
Int Accrued Amount of Interest Accrued on the Contract. If special promotion is active, the Accrued amount can be higher than the Assessed amount as the promo maybe deferring interest for a promotional period. 10.00
Int Assessed Amount of Interest Assessed on the Contract. This amount is owed. 10.00
Int Pd Interest Paid - Amount of Payments applied to Interest 10.00
Int Bal Interest Balance - Amount of Interest currently remaining. 0.00
Fees Assessed Amount of Fees charged on this Contract. Could be Late Fee or NSF Fee. 20.00
Fees Pd Fees Paid - Amount of Payments applied to Fees. 10.00
Fees Bal Fees Balance - Amount of Fees currently remaining. 10.00
Payoff Amt Principal Bal + Interest Balace + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. 6896.00

FAQs

No, this data is locked as part of the End of Month (EOM) process. The data represents the value at the End of the Month. This is done to see performance of the portfolio month over month.

Within 7 Business Days of the End of the Month. EOM reports are available for a rolling 6 months.

Delinquency Report Set

Reports in this set are designed to inform you about your delinquent accounts and their status.

AutoPay AutoPayRemoved

This report will show you when AutoPay was removed from a contract and why it was removed.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
Status Status of the Contract (Pending, Active, Closed, Cancelled and VOID) Active
Sub Status Provides more detail about the Contract Status. Active: Current, Past Due, Write-Off Review Closed: Attorney Retained, Bankruptcy, Buyback, Canceled, Client Cancel, Contract Error, Deceased, Fraud, Paid, Refund, Refusal, Rewrite, Sent to Collection Agency, Skip, Small Balance Write-Off, Transfer Account, Write-Off) Current
Next PMT Due Due Date of Next Payment 2018-01-05
Past Due Amount Amount the Contract is currently Past Due $150.00
AutoPay Removed Date AutoPay was removed from this Contract 12/03/2017 4:47 AM
Removal Reason Reason AutoPay was removed - Varies from Decline Codes or Consumer Actions 54: Declined (card expired)

FAQs

By default, we will attempt AutoPay 3 times over a 15 to 20 day period. If there are three failed attempts, then AutoPay will be removed by our system.

If a Checking or Savings Account is being used, and the Payment NSFs, then AutoPay will be removed.

If using a Credit/Debit Card and we get a Decline Code like “Expired Card” or “Do Not Honor”, the system will remove the Autopay at that time, even if we have not made 3 attempts. Certain decline reasons will never result in a successful payment, so when those decline codes are returned, we remove AutoPay.

Contracts - Past Due

This report will show you all active Contracts that are currently Past Due and in SRV (servicing) portfolio.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
Status Status of the Contract (Pending, Active, Closed, Cancelled and VOID) Active
Sub Status Provides more detail about the Contract Status. Active: Current, Past Due, Write-Off Review Closed: Attorney Retained, Bankruptcy, Buyback, Canceled, Client Cancel, Contract Error, Deceased, Fraud, Paid, Refund, Refusal, Rewrite, Sent to Collection Agency, Skip, Small Balance Write-Off, Transfer Account, Write-Off) Current
Delq Date Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. 2017-09-01
Delq Days Delinquent Days the account has been Delinquent. 60
Past Due Amt If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. 0.00
Next Due Date Date the next payment is due for this Contract. 2017-11-01
PMT IN PROCESS Payment is made but won’t settle until nightly process 2017/11/11T02:45:02.000Z

FAQs

Yes, the data on this report is pulled directly from our live system when it’s ran. Information will change daily

Payments made today will start in a processing status. We settle all payments after 9PM CST everyday. Once a payment is settled it will go into a complete status and completed payments are applied to the Interest, Principal and Fee balances on the Contract.

If a payment is made after 3PM CST it may not settle the same day and will remain in processing until it settles the next day.

You can open the customer’s account in uPortal360 and click on Transactions. This will show you all payments including payments in processing status.

Contracts - Write-Off Eligible

This report will show you all active Contracts that are currently Past Due and meet the criteria for Write-Off. The Write-Off eligibility is based on the assumption of the days the Contract will be delinquent at the End of the Month if no payments are made.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Code Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) SRV
1st PMT Date Date 1st Payment is Due. 2017-06-01
Delq Date Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. 2017-09-01
Delq Days Delinquent Days the account has been Delinquent. 60
Last Complete PMT Date of the Last Payment Made 2017-09-01
Days Since Last PMT Number of Days since Last Payment was Made 90
Past Due Amt If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. 250.00
PMT Monthly Payment Amount 164.93
Payoff Amt Principal Bal + Interest Balace + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. 6896.00

FAQs

PBA

PBA - Principal Balance Aging - Is a report that summarizes all accounts into buckets by Principal Balance. The report can be used to see the amount of dollars at risk if a bucket continues to be delinquent to a point of write-off. E.g. if you have $5,000 in 120+ it’s likely that $5,000 will be written off within the next 30 days.

This report has “drill down” features. Your data is summarized on the report, then you can click on the hyperlink values (the Count Ct Fields) to see a display of the contracts that make up these counts.

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Payoff Total Payoff Balance of ALL Contracts $120,000.00
Principal Total Principal Balance of ALL Contracts $90,000.00
Current Total Principal Balance of Contracts in a Current Status $110,000.00
Current_Ct Count of Current Contracts 17
03-29 Total Principal Balance of Contracts 3 to 29 Days Delinquent $4,000.00
03-29_Ct Count of Contracts that are 3 to 29 Days Delinquent 4
30-59 Total Principal Balance of Contracts 30 to 59 Days Delinquent $3,000.00
30-59_Ct Count of Contracts that are 30 to 59 Days Delinquent 3
60-89 Total Principal Balance of Contracts 60 to 89 Days Delinquent $2,000.00
60-89_Ct Count of Contracts that are 60 to 89 Days Delinquent 2
90-119 Total Principal Balance of Contracts 90 to 119 Days Delinquent $1,000.00
90-119_Ct Count of Contracts that are 90 to 119 Days Delinquent 1
120+ Total Principal Balance of Contracts over 120 Days Delinquent $0.00
120+_Ct Count of Contracts that are over 120 Days Delinquent 0

FAQs

Sales Management

Reports in this set are designed to inform you about your delinquent accounts and their status.

Pending or Incomplete

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Sales Person Name of your internal Employee that worked this Contract Eddy Employee
Status Status of the Contract (Incomplete, Pending) Pending
Sub Status Provides more detail about the Contract Status. (Incomplete: Credit Applicaiton Pending: Activation, Credit Review, Contract Document Creation, Future Note Date, Goods or Service Delivery, Signatures ) Contract Document Creation
AutoPay Type If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) NONE
Application Date Date Application was Processed 2017-12-07
Term Number of Payments needed to Payoff the Balance of the Contract. 60
Amt Financed Amount Financed by consumer. (original Charge amount if Open-End Credit) 6986.00
Interest Rate Displayed as a whole number not a decimal. 10.00 is same as 10%. 10.00
Agreement Log Details of the Electronic Signature Process Signed by on Date

FAQs

Sales Management

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Field Definitions

Column Name Definition Example
Program Name of your Program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Sales Person Name of your internal Employee that worked this Contract Eddy Employee
Status Status of the Contract (Pending, Active, Closed, Cancelled and VOID) Active
Sub Status Provides more detail about the Contract Status. Active: Current, Past Due, Write-Off Review Closed: Attorney Retained, Bankruptcy, Buyback, Canceled, Client Cancel, Contract Error, Deceased, Fraud, Paid, Refund, Refusal, Rewrite, Sent to Collection Agency, Skip, Small Balance Write-Off, Transfer Account, Write-Off) Current
Application Date Date Application was Processed 2017-12-07
Credit Check Override If Credit Check was skipped - Not Applicable for All Programs False
Void DateTime If VOID was set, this was the Date and Time. 12/02/2017 1:42 AM
Voided By Who set Contract to VOID Victor Voider
Void Reason Why the Contract was set to VOID Instant Decline

FAQs

Purchased Contracts Report Set

Reports in this set are designed to inform you about your delinquent accounts and their status.

Reserve Report Set

Reports in this set are designed to inform you about your delinquent accounts and their status.

UAS Billing Invoice

UAS provides a detailed billing invoice on a monthly basis. UAS strives to collect on all accounts in servicing. Our rates are a reflection of the amounts collected less our servicing fees. The result is deposited into your bank account.

Our SLA is 7 Business Days to complete our monthly invoicing process. Deposits will be made within 24-48 hours after invoicing is complete. Once the process is complete the Invoices are made available via the uPortal360 platform.

We created an document, How to Read your Billing Invoice, that is linked below (just click on the image). This document gives a high level review on the first page. Then every section and detail is explained on the second page.

FAQ - UAS Billing Invoice

Contact UAS at 1-888-842-2461

The “New Account Load” and the “Accounts With or Without Recurring Payment” Flat rate or % of Collections is based on the ownership at the end of the month. Merchant Fees and Letter fees are based on the owner of the contract at the time of the transaction or letter request.

A more complete “how to guide” is being developed. You can run reports based on the same date range of the invoice to see details. For example you can run “New Contracts” for same month as you invoice and see the numbers.

If you are responsible for Invoicing, please make sure you have added the Standard Invoice Report set to your user.

UAS Billing Invoice reports

These reports are designed to provide Invoicing details. A user must have the “View Invoice” permission to see invoices and have the Client Invoice Report set assigned to their user.

Invoicing - New Accounts

This report shows newly added accounts to your portfolio. This report represents the number of accounts on your invoice for the “New Account Load” fee.

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Field Definitions

Column Name Definition Example
Client Invoice Set of letters and numbers generated to uniquely identify the client invoice 521C-6E8X4-1017
Program Name of your program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Active Date Date the contract was activated in our system and we started to service the account - Create statements, accrue interest, etc. 2017-10-11

Invoicing - Transactions

This report will show you transactions for an invoice period. The transactions are used to represent collections and returns/NSF and late fees collected.

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Field Definitions

Column Name Definition Example
Client Invoice Set of letters and numbers generated to uniquely identify the client invoice 521C-6E8X4-1017
Program Name of your program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Loan # Accounts can have multiple Loans, the Loan number is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
PMT Processed Date Payment was Processed - Counted towards balance 2017-11-10
Type Various types to further define payment types or adjustments PMT - ACH
PMT Amt Amount of Payment Made 198.00
Fees Amount of the Payment applied to Fees 0.00
Interest Amount of the Payment applied to Interest 10.00
Principal Amount of the Payment applied to Principal 180.00
Card Type Specific Card Type - (VISA, MASTERCARD, DISCOVER, AMEX) VISA
Transaction ID Unique ID for this Transaction 1234567

Invoicing - Account Summary

This report shows you all accounts in your servicing portfolio for an invoice period. The AutoPay Type will inform you if the account had or did not have recurring payment.

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Field Definitions

Column Name Definition Example
Client Invoice Set of letters and numbers generated to uniquely identify the client invoice 521C-6E8X4-1017
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Loan # Accounts can have multiple Loans, the Loan number is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
AutoPay Type If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) NONE

Invoicing - Letters

All letters that were sent to consumers.

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Field Definitions

Column Name Definition Example
Client Invoice Set of letters and numbers generated to uniquely identify the client invoice 521C-6E8X4-1017
Program Name of your program Open-End Contracts
Location Location where account was originated Kansas City
Acct # 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple Contracts, the Contract number is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client.
Letter Combination of contract number, type of letter and date specific to request ABC1234LOA01-ppl-2017
Type Type of letter requested Privacy Notice
Delivery Method Letters can be sent either Stand Alone or Insert. Stand alone is a letter sent individually and an insert letter is sent along with a statement or other document. Stand alone
Requested Date Date the letter was Requested 2017-10-11

Invoicing - Misc Charges

All Misc Charges on your invoice.

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Field Definitions

Column Name Definition Example
Client Invoice Set of letters and numbers generated to uniquely identify the client invoice 521C-6E8X4-1017
Program Name of your program Open-End Contracts
Type of Charge Description of charge applied to invoice Buyback
Amount Amount of charge applied to invoice 300.00

UGA Client Assignment Invoice

Client Assignment Invoice

Assignment Invoice

Assignment Invoices are…

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Field Definitions

Column Name Definition Example
Account Name Name of your account Open-End Contracts
Funding Date Date the assignment was funded 2018-10-01
Funding ID Number of the ACH or other funding transaction used to fund the client for the Assignment Record X123Y2Z
Assignment Total Total on all assignments purchased that day 800.00
Buyback Total Total amount the client owes to UGA 650.00
Funding Amount Amount owed to client 555.00

Assignment Invoice - Assignments

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Field Definitions

Column Name Definition Example
Program Name of your program Open-End Contracts
Location Locations where account was originated Kansas City
Acct # 7 Character random account number uniquely assigned by our system. Accounts can contain multiple contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple contracts. The contract is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext. ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student number, Patient number, Client number as some examples. Length and type can vary widely by client
Funding Date Date the client was funded 2017-10-02
Funding ID Number of the ACH or other funding transaction used to fund the client for the Assignment Record X123Y2Z
Assignment Amt Amount of the individual assignment 450.00
Discount Percentage of the amount financed not paid to the seller upon purchase of a contract 75.00
Processing Fee Fee charged for processing assignment 10.00
Staged Amt This is the amount the client pays if they qualify for a staged payout 100.00
Proceeds Assignment amount -Discount – Reserve – Processing Fee 500.00

Assignment Invoice - Buybacks

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Field Definitions

Column Name Definition Example
Program Name of your program Open-End Contracts
Location Locations where account was originated Kansas City
Acct # 7 Character random account number uniquely assigned by our system. Accounts can contain multiple contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple contracts. The contract is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext. ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student number, Patient number, Client number as some examples. Length and type can vary widely by client
Funding Date Date the client was funded 2017-10-02
Funding ID Number of the ACH or other funding transaction used to fund the client for the Assignment Record X123Y2Z
Buyback ID
Reason Reason for the buyback Refusal
Buyback Date The date the buyback was created 2017-12-31
Buyback Amount Amount the client owes to UGA 700.00
Processing Fee Fee charged for processing assignment 10.00
Total Buyback Amt Total amount client owes to UGA with fees and minus any discounts 800.00

Assignment Invoice - Unpaid Buybacks

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Field Definitions

Column Name Definition Example
Program Name of your program Open-End Contracts
Location Locations where account was originated Kansas City
Acct # 7 Character random account number uniquely assigned by our system. Accounts can contain multiple contracts, Subscriptions and POS Transactions ABC1234
Contract # Accounts can have multiple contracts. The contract is a build on the Account Number (ACCT#LOA##) ABC1234LOA01
Applicant Name of the Primary Applicant / Account Holder John Doe
Client Ext. ID Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems Student number, Patient number, Client number as some examples. Length and type can vary widely by client
Buyback ID
Reason Reason for the buyback Refusal
Buyback Date The date the buyback was created 2017-12-31
Buyback Amount Amount the client owes to UGA 700.00
Processing Fee Fee charged for processing assignment 10.00
Total Buyback Amt Sum of Buyback and Partial buyback amounts. Used in reporting to show a single Buyback amount instead of showing Partial buyback split out form Regular buybacks 550.00
Unpaid Amount Amount remaining on buyback owed to UGA 300.00

UGA Reserve Invoice

UGA Reserve Invoice

Common Definitions

Contract Status and Sub Status

Status Sub Status Definition Actions
Credit Application
VOID Declined Applicant was Declined for Credit Contact Credit if decline reason needed
Incomplete Credit App Incomplete Credit Application cannot be completely processed or has not been submitted for processing. Review Application
Pending Credit Review Manual Credit review in Progress. Call Credit for status.
Pending Contract Document Creation A Credit Application has been completed but the agreements have not been created. Select Term, 1st PMT Date, Cash Price, Down Payment, etc and Send Contract for Signature.
Agreements Pending Signature
Pending Signatures Waiting for the Applicant, CoApplicant or Seller to Sign Contact Signer(s), Use Needs Signing Queue to manage agreement.
Agreements Signed Not Active in Servicing System
Pending GorS Delivery GorS (Goods or Service) Fully executed contract, but the goods or services have not been delivered. Client will release to Active status once services or goods are delivered - Use Delivery Confirmation to manage entry of Delivery Dates.
Pending Future Note Date Fully executed contract with a Note Date in the future. Once Note Date arrives this becomes an Active contract.
Pending Print Verification Awaiting receipt or review of printed contract to confirm all signatures have been collected Fax Signed Contract using DocuSign Cover Letter.
Active Contracts
Assignment Welcome Call Completed in 1 - 5 Business Days, Reaching out to Consumer for Welcome Call. Contact Credit Department for more details.
Assignment Credit Review Completed in 1 Business Day or Less, Review for Purchasing Contact Credit Department for more details.
Assignment Processing Completed in 1 Business Day or Less - Assigning Contract. Contact Credit Department for more details.
Active Current Contract is being serviced Review Details in uPortal360.
Active Past Due If a Minimum Payment is not made on time, the Account will be set to Past Due. Review Details in uPortal360.
Active LOC Closed Active contract but consumer cannot use line of credit for additional purchases Review Details in uPortal360.
Closed Contracts
Closed Various Attorney Retained, Bankruptcy, Buyback, Canceled, Client Cancel, Contract Error, Deceased, Fraud, Paid, Refund, Refusal, Rewrite, Sent to Collection Agency, Skip, Small Balance Write-Off, Transfer Account, Write-Off Review Details in uPortal360.
VOID VOID Removed from System, Never made it past Credit Application or was set to VOID. N/A

Charge Slip Statuses

Status Definition Actions
Incomplete Started but never sent for Signature. Use To Do Queue to Manage.
Print Verification waiting receipt or review of printed Charge Slip to confirm all signatures have been collected Fax Signed Charge Slip using DocuSign Cover Letter.
Pending Delivery Fully executed Charge Slip, but the goods or services have not been delivered. Client will release to Active status once services or goods are delivered - Use Delivery Confirmation to manage entry of Delivery Dates.
Open Charge Slip is being serviced Review Details in uPortal360.
Paid Charge Slip has been Paid in Full Review Details in uPortal360.
Write-Off Closed with a Write-Off Reason Review Details in uPortal360.
VOID Removed from System, Never made it past Credit Application or was set to VOID. N/A

Transaction Statuses

Status Definition
PENDING Used to represent Future Dated Transactions - Scheduled Payments
PROCESSING Processed with Merchant but waiting on final status
COMPLETE Fully Processed Payment - Only Payments in COMPLETE status count towards the balance of the Contract
DECLINE Declined by merchant - Look at error message for the reason