# UAS Consumer Help

> Help with your account serviced by Universal Account Servicing — payments, AutoPay, statements, promotional offers, and support.

- [Help with your account](https://faq.universalaccountservicing.com/index.md): Make a payment, set up AutoPay, read your statement, or get help with an account serviced by Universal Account Servicing.
- [Why UAS services your account](https://faq.universalaccountservicing.com/start-here/why-uas-services-your-account.md): Who Universal Account Servicing is, and why your payments go to us rather than the business you bought from.
- [Your account at a glance](https://faq.universalaccountservicing.com/start-here/your-account-at-a-glance.md): Every number, date and document that describes your account — and where to find each one.
- [Glossary](https://faq.universalaccountservicing.com/glossary.md): Plain-English definitions of the terms that appear on your statement, your agreement, and in uPortal360.
- [What uPortal360 is](https://faq.universalaccountservicing.com/signing-in/what-is-uportal360.md): The online portal where you manage your account — payments, AutoPay, statements, and support.
- [How to sign in](https://faq.universalaccountservicing.com/signing-in/how-to-sign-in.md): Sign in to uPortal360 with your Account Number and Access Code, then answer one security question.
- [Finding your Account Number and Access Code](https://faq.universalaccountservicing.com/signing-in/finding-your-access-code.md): Both are on your statement and in your welcome packet, and you can retrieve them by email.
- [If you see "Validation Failed"](https://faq.universalaccountservicing.com/signing-in/validation-failed.md): What that error means, and why it needs a phone call rather than another attempt.
- [Your Access Code and account security](https://faq.universalaccountservicing.com/signing-in/new-access-code.md): Why there is no password to change, what to do if you think your code is compromised, and what we never store.
- [Co-applicant and cosigner access](https://faq.universalaccountservicing.com/signing-in/co-applicant-access.md): How a joint applicant, cosigner, or co-buyer signs in and what they can do.
- [Updating your contact information](https://faq.universalaccountservicing.com/signing-in/updating-contact-information.md): Change your email, phone number, or mailing address in uPortal360.
- [Alerts and paperless statements](https://faq.universalaccountservicing.com/signing-in/alerts-and-paperless.md): Turn on account alerts, switch to electronic statements, and choose what we notify you about.
- [Account access and security](https://faq.universalaccountservicing.com/signing-in/account-access-and-security.md): Let someone else act on your account, set a verification passphrase, and see what we store.
- [Ways to pay](https://faq.universalaccountservicing.com/payments/ways-to-pay.md): Pay online, by phone, or by mail — and which is fastest.
- [Accepted payment methods](https://faq.universalaccountservicing.com/payments/accepted-payment-methods.md): Which cards and bank accounts you can use, why the list differs between accounts, and where to find yours.
- [Making a one-time payment](https://faq.universalaccountservicing.com/payments/one-time-payment.md): Pay any amount toward your balance in uPortal360, and what your receipt tells you.
- [Managing your saved payment methods](https://faq.universalaccountservicing.com/payments/managing-payment-methods.md): Add, update, replace or remove a card or bank account in uPortal360.
- [How your payments are applied](https://faq.universalaccountservicing.com/payments/how-payments-are-applied.md): The order your payment goes to interest, fees, past-due amounts and principal — and why your balance may barely move.
- [When your payment posts](https://faq.universalaccountservicing.com/payments/when-payments-post.md): How long a payment takes to appear, the daily cut-off, and what each status means.
- [Payment limits](https://faq.universalaccountservicing.com/payments/payment-limits.md): How much you can pay in a single transaction, and what to do when your payment is over the limit.
- [When a payment won't go through](https://faq.universalaccountservicing.com/payments/when-a-payment-wont-go-through.md): Nine checks that fix most declined payments, what bank declines mean, and what every error message is telling you.
- [Refunds and credit balances](https://faq.universalaccountservicing.com/payments/refunds-and-credit-balances.md): When money comes back to you, how it is returned, and how long it takes.
- [Paying from Canada](https://faq.universalaccountservicing.com/payments/paying-from-canada.md): Three ways to pay a US-dollar account from Canada, and which one to choose.
- [Why AutoPay](https://faq.universalaccountservicing.com/autopay/why-autopay.md): What AutoPay does, what it prevents, and why it matters most if you have a promotional offer.
- [Enrolling in AutoPay](https://faq.universalaccountservicing.com/autopay/enrolling.md): Set up automatic monthly payments in uPortal360, including paying more than your minimum.
- [Changing your AutoPay](https://faq.universalaccountservicing.com/autopay/changing-autopay.md): Update the amount taken or the payment method used, and when the change takes effect.
- [Opting out of AutoPay](https://faq.universalaccountservicing.com/autopay/opting-out.md): Turn off automatic payments, and what happens to a payment already scheduled.
- [Automatic card updates](https://faq.universalaccountservicing.com/autopay/card-updater.md): How a replaced or expired card can keep working with AutoPay, why you should not rely on it, and how to stop it if you would rather it didn't.
- [Your monthly statement](https://faq.universalaccountservicing.com/statements/your-monthly-statement.md): What each panel on your statement means, and which numbers to read against each other.
- [Your transaction history](https://faq.universalaccountservicing.com/statements/transaction-history.md): Every payment and adjustment on your account, what each status means, and how much went to principal.
- [Your charges](https://faq.universalaccountservicing.com/statements/charges-and-charge-slips.md): Individual purchases on a revolving account, what each field means, and what to do about one you do not recognize.
- [Your agreement and account details](https://faq.universalaccountservicing.com/statements/agreement-details.md): Find your rate, your terms, your payoff figures and a copy of everything you signed.
- [Promotional offers](https://faq.universalaccountservicing.com/promotional-offers.md): How "no interest if paid in full" works, what you have to do to keep it, and what happens if you miss.
- [Changing your personal information](https://faq.universalaccountservicing.com/your-information/changing-your-information.md): What you can update yourself, what needs documentation, and which documents we accept.
- [Your credit file](https://faq.universalaccountservicing.com/your-information/your-credit-file.md): How to check what the credit bureaus hold on you, manage a freeze, and dispute something that is wrong.
- [Contacting UAS](https://faq.universalaccountservicing.com/getting-help/contacting-uas.md): Phone, portal, email and mail — and which to use for what.
- [Opening a support request](https://faq.universalaccountservicing.com/getting-help/opening-a-support-request.md): Raise a request in uPortal360 at any hour, which category to choose, and what to have ready.
- [Disputing a charge](https://faq.universalaccountservicing.com/getting-help/disputing-a-charge.md): What to do about a charge you do not recognize or believe is wrong, and what happens next.
- [If you are having trouble paying](https://faq.universalaccountservicing.com/getting-help/trouble-making-payments.md): What can be arranged when a payment is hard to make, what each option costs you, and when to call.
- [If you are called to active duty](https://faq.universalaccountservicing.com/getting-help/military-service-scra.md): Your rights under the Servicemembers Civil Relief Act on an account UAS services, and how to claim them.
- [Student loans](https://faq.universalaccountservicing.com/getting-help/student-loan-borrowers.md): How a private education loan serviced by UAS works, what in-school payments mean, and what repayment options are and are not available.
- [Who UAS is](https://faq.universalaccountservicing.com/trust-and-compliance/who-uas-is.md): Why a company you did not choose is servicing your account, and how to verify we are legitimate.
- [Licensing and NMLS](https://faq.universalaccountservicing.com/trust-and-compliance/licensing-and-nmls.md): Our NMLS number, how to verify us, and who regulates us in your state.
- [How we protect your information](https://faq.universalaccountservicing.com/trust-and-compliance/how-we-protect-your-data.md): What we store, what we never store, who we share information with, and how to protect your own account.
- [How and when we contact you](https://faq.universalaccountservicing.com/trust-and-compliance/how-we-contact-you.md): The channels we use, what triggers contact, how to change your preferences, and how to tell a real message from a scam.
- [Text messages from 76032](https://faq.universalaccountservicing.com/trust-and-compliance/text-message-program.md): Why UAS is texting you from short code 76032, how to confirm a message is real, and how to stop the texts.
- [Terms, Privacy and E-SIGN](https://faq.universalaccountservicing.com/trust-and-compliance/terms-privacy-esign.md): The three documents that govern the website and your electronic consent — and which one is not about your account.