What does UOWNLEASING mean on my credit report?
Learn about UOWNLEASING, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is UOWNLEASING?
UOWNLEASING is shorthand for Uown Leasing, with the company name being Uown Leasing Inc
Uown Leasing was born armed with decades of industry experience and a passion for solving problems for customers in need. We at Uown believe that everyone, regardless of credit history, should have the opportunity to help their families.
UOWNLEASING is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Uown Leasing.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Lease
How do I contact them?
Here is the current contact details for Uown Leasing:
Address:
- 10500 University Center Dr, Tampa
Website:
Email:
Phone:
Payments
Uown Leasing offers various payment options including online payments, phone payments, checks, money orders, and wire transfers. There is also a mobile app available for payments. There are penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
Uown does not offer loan forgiveness or consolidation. To qualify for loan forgiveness, customers must comply with terms of service and use the website for consumer leasing and finance related business only.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
To apply for a loan with UOwn Leasing, you may call 1-877-353-8696 or visit their website. You will need to provide credit information and income information. UOwn Leasing offers online payments, no down payment, and early buyout options.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | No |
| Can I apply for a loan using a mobile app? | Yes |
| Can I apply for a loan with a cosigner? | No |
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
How do I remove UOWNLEASING from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.