Text messages from 76032

Why UAS is texting you from short code 76032, how to confirm a message is real, and how to stop the texts.

You can receive text messages about your account — payment reminders and similar. It is optional.

Why you are getting texts from 76032

76032 is our number. Universal Account Servicing (UAS) is the company that services your credit account — we handle the billing for whoever you bought from. Texts about your account come from that five-digit short code, and from no other number.

You are getting them because you agreed to them. Most people agree at signing and do not remember it, which is the usual reason a message feels like it came out of nowhere. There are three ways it can have happened:

When you signed	You checked a box agreeing to account texts during the application. This is the most common one
In your paperwork	Your credit application and agreement include a consent disclosure covering texts, automated calls, and prerecorded messages
By text	You sent START to 76032 yourself, or checked Opt-In SMS in uPortal360

You do not have to keep them. Reply STOP to any message and they end. Doing that does not affect your account, your agreement, or anything you owe — see Stopping them.

Checking that a text is really from us

We will never ask you for your full card number, your bank account number, or your Social Security number by text.

If a message asks for any of those, it is not from us — whatever number it came from. Do not reply, and do not use a phone number or link inside the message.

A real message from us:

• Comes from 76032, never from a 10-digit mobile or landline number
• Names Universal Account Servicing
• Asks you to sign in to uPortal360 or call the number on your statement, rather than to send anything back by reply
• Tells you how to opt out

If you are not sure, go to uportal360.com directly, or call the number on your statement. Never the number in the message. There is more on spotting a fake across every channel in How and when we contact you.

Signing up

If you agreed at signing, you are already enrolled and do not need to do anything.

To start from scratch: text START to 76032.

By texting START, you agree to receive text messages from Universal Account Servicing, LLC regarding your account, such as payment reminders, at the phone number used. Message and data rates may apply. Message frequency will vary. To opt out at any time, reply STOP, or HELP for more information.

You can also opt in inside uPortal360: under Contact Info, select Edit beside Phone Numbers and check Opt-In SMS against your cell number.

Stopping them

Reply STOP to any message. That is the fastest way, and it works immediately.

STOP, END, CANCEL, QUIT and UNSUBSCRIBE all work. You will get one confirmation that the messages have stopped, and nothing after that.

To start again later, reply START or UNSTOP.

You can also clear the Opt-In SMS box in uPortal360, or tell us.

Reply HELP or INFO to any message for our phone number and a link to sign in.

If you want to cancel your purchase, texting CANCEL is not enough. Those words stop the text messages, and we will always honor that. They do not cancel your agreement, your AutoPay, or what you owe.

If cancelling the purchase is what you meant, call us or open a support request as well — otherwise you have switched off the channel we would have used to reach you.

What it costs

We do not charge for text messages. Your mobile provider may — standard message and data rates apply, depending on your plan.

When they arrive, and how often

Texts go out on business days between 8:00 AM and 9:00 PM in your own time zone. Never overnight and never on a weekend.

Message frequency varies. Texts are tied to activity on your account rather than sent on a schedule, so a month with nothing happening is a month with no texts.

What we text you about

Every message is about your account and tells you how to opt out, and messages identify us rather than arriving from an unexplained number. We do not send marketing or offers on this channel.

Getting started	A welcome message after you sign, and our contact details to save
Payment reminders	Three days before your first payment is due
AutoPay	When a payment posts, when one fails, when your saved card is about to expire, and if your AutoPay method is removed
Missed payments	Reminders while a payment is outstanding
Promotional offers	At 45, 30, 15 and 5 days before your promotional period ends
Missing details	If we have no mailing address or email address for you

What you are agreeing to

A mobile number is not a condition of your credit. You are not required to provide one, and opting out of texts does not affect your account.

Providing a mobile number authorizes us to contact you about servicing and collecting on your account — including by text, automated dialing, and prerecorded message — but not to market to you. You can withdraw that consent at any time.

Stopping texts does not stop other channels. If you also want to change email or calls, see How and when we contact you.

Related terms

Your Privacy Policy covers how we use the contact details you give us, and your E-SIGN consent covers electronic communications generally — see Terms, Privacy and E-SIGN.