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You do not have a password. You have an Account Number and an Access Code, both assigned by us. The sign-in screen says Password/Access Code because businesses that offer financing use the same page, and they do have usernames and passwords. Consumers do not. That is why there is no “change password” option — and here is why that is not the problem it sounds like.

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Three things protect your account

Neither your Account Number nor your Access Code can be changed online. Instead of a password you choose, your account is protected by three things:
  1. Your Account Number — assigned, and not guessable
  2. Your Access Code — assigned, numeric, and long
  3. A security question — your date of birth, or the last four digits of your Social Security Number
Someone would need all three to get in. That last one is what makes a lost statement much less dangerous than it would otherwise be.

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If your security software flags it

Password managers and browsers sometimes warn that a saved password is weak or has appeared in a breach. Because your Access Code is numeric and assigned rather than chosen, that warning is unlikely to clear no matter what you do. If you would still prefer a new one, we can issue it — call us.

Contact us

We can issue a new Access Code after verifying your identity.

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What we never store

Even if someone did get into your account, your payment details are not there to take. More on this in How we protect your data.

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If you think someone has used your account

Call us straight away. If you believe the account itself was opened fraudulently, that is a different process — see Opening a support request, which covers identity theft.