What does UPLIFTINC mean on my credit report?
Learn about UPLIFTINC, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is UPLIFTINC?
UPLIFTINC is shorthand for Uplift, with the company name being Uplift Inc
We serve people with a better way to pay for the things that really matter, the ones that lift people’s lives; Uplift is that small friendly boom that gets you through the remarkable, without tremendous stress to your finances. Most importantly, Uplift gives you the option to adjust payments when life happens, and you need some additional flexibility with your money.
UPLIFTINC 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 Uplift.
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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:
- ⚫ Unsecured
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for Uplift:
Address:
- 440 N. Wolfe Road Sunnyvale, CA 94085
Website:
Email:
Phone:
Payments
Payments can be made through Uplift, a loan offered by lending partners, with APRs ranging from 0% to 36%. There are penalties for late or missed payments, including higher interest rates and additional fees. Wire transfers and prepaid debit cards can also be used for payment.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | No |
| 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
Uplift does not offer loan forgiveness or consolidation. However, there are a number of loan forgiveness programs available, such as those offered by the US Department of Education, which can help borrowers reduce their loan balances or make their payments more affordable.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
you can apply for a loan online through Uplift. A cosigner is someone who agrees to take responsibility for the loan if you are unable to meet the repayment terms. In most cases, a cosigner must have a good credit history and a steady source of income to qualify.
| 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? | No |
| Can I apply for a loan with a cosigner? | Yes |
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 UPLIFTINC 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.