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Universal Account Servicing, LLC (UAS) is a third-party billing service provider. We send your statements, take your payments, and answer your questions about the account — on behalf of the lender or retail seller you actually dealt with.

Verify us independently

NMLS #1060516. Look us up on NMLS Consumer Access, the federal registry.

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We are not who you bought from

You did not choose us. The business you bought from, or the lender that financed the purchase, did — see Why UAS services your account. That means:
  • We did not set your rate or your terms. Those are in the agreement you signed with the lender.
  • We do not sell anything. We will not contact you to offer you products.
  • We cannot resolve a problem with what you bought. That is between you and the seller — though we can log it.

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What we service

Consumer installment loans, private student loans, retail installment contracts, revolving and open-end accounts, closed-end accounts, subscriptions, receivables, and specialty agreements. We work with banks, credit unions, CUSOs, Title IV schools, and retail finance programs — including the UGA Finance Program, which is how many retail purchases are financed at the point of sale.

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Where to find us

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How we are examined

Our security program is independently examined, and we maintain PCI DSS compliance for card data. See How we protect your information. We are licensed as a third-party servicer and collector in states where that is required — see Licensing and NMLS.

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If you are not sure a message is really from us

We will never ask for your full card number, your bank account number, or your Social Security number by email or text. If a message does, do not reply — call us on the number on your statement, not a number in the message. See How and when we contact you.