- Credit Cards
- Credit Monitoring
- Credit Score
- Payment Plus
- Service Recall
- Student Loans
AutoPayPlus considers the safety of your money its top priority. We use a full range of state-of-the-art Internet security measures, including routers and firewalls, cryptography and business processes to safeguard your money and your personal information.
Yes, it can depend on the age of the vehicle. If your car is more than 10 years old on the date of the defect then noncompliance is determined. Under the law, the age of the vehicle is calculated from the date of sale to the first purchaser. However, if you receive notification of a […]
With a $13,000 credit card balance at 14% interest, you could spend more than your original balance in interest alone by making minimum monthly payments. By paying biweekly with AutoPayPlus and adding $150 to each payment, you would go from paying $14,667 in total interest to just $4,523.
With our open enrollment policy you can add as many loans and bills as you like for the first 6 months and only pay convenience fees on additional loans. See pricing for more details.
On 15-year, $150,000 RV loan at 5%, AutoPayPlus would save you $7,189.08 in interest payments over the life of the loan.
One of the benefits AutoPayPlus offers its customers is the ability to conveniently track your credit score and view your credit report from your website account. The service includes your updated full credit report twice a year and your monthly score for free. You must log in to your website account each month in order to […]
Not at all. We can enroll each credit account separately. Plus, you can enroll as many credit cards as you’d like under your enrollment fee — because AutoPayPlus’s commitment is to help you eliminate debt.
If your vehicle, equipment of your vehicle, tire or car seat is recalled the safety of you, your passengers and other drivers on the road could be at risk. Because of Safety Act and Federal regulations, the NHTSA monitors each safety recall to make sure owners receive safe, free and effective solutions from the manufacturers. […]
AutoPayPlus makes sticking to an accelerated loan payoff schedule easy. With our most popular option – biweekly payment plan, we can match payments to your pay cycle and automatically budget for 26 half payments or one extra full payment a year. Because we apply the extra payment to your principal balance, your loan is paid down faster […]
Your payment history is the single largest factor in determining your VantageScore, comprising a full 35% of the final calculation for most people. Enrolling your loans in AutoPayPlus ensures that your payments are made on time, every time. Demonstrating a consistent pattern of on-time payments has a positive impact on your credit score and prevents […]
Service recalls will be posted to your AutoPayPlus website account in addition to receiving email alerts for new service recalls. You can also go to your manufacturer’s Web site to check if there is a recall.
Under the Electronic Funds Transfer Act, consumers are protected regarding any transactions involving an ATM, debit card or other electronic funds. If someone takes money out of your account without your permission, immediately call your bank or credit union. If you lost your card, code, or other access device, or it was stolen, and you notify […]
AutoPayPlus offers free e-mail recall notifications for enrolled vehicles. Additionally, if your vehicle is registered, your manufacturer will send you a letter in the mail if and when there is a recall. So make sure your vehicle registration is up to date and so is your current mailing address. Manufacturers are obligated to attempt to […]
Identity theft can be committed online, through the mail, over the phone, in person or in other offline ways. The following are some ways identity thieves gain access to your information: Looking through social media websites to see what you information you have posted “Shoulder surfing” or looking over your shoulder while at the bank, […]
By law, credit reporting companies must block identity theft-related information from appearing on a victim’s credit report. They must block unauthorized transactions, accounts, and inquiries. But to get unauthorized information blocked, you must provide necessary documentation. First, send a copy of your Identity Theft Report to each credit reporting company. Include proof of your identity […]
Depending on what information an identity thief has stolen and what they use it for you may be able to determine if you are a victim immediately by reading your bills, watching your bank account statements for unusual purchases, checking your mail and requesting your credit report. However, if an identity thief uses your name […]
To dispute and close fraudulent accounts an identity thief opened in your name or with your financial information, contact the fraud department of each business where an account was opened. Explain to them that you are an identity thief victim and ask to close the account. In order to do so, you will have to […]
If there are unauthorized charges from an identity thief on your current accounts first thing to do is to change the passwords or PINs for your accounts so the thief can no longer access them. Then contact the fraud department of each business and explain that you are an identity theft victim. List the errors […]
Signing up for credit monitoring is completed in two easy steps. Step one: register your AutoPayPlus website account. You’ll need your unique security ID in order to register. You can find your security ID in any of the emails that you receive from us in the first week of your enrollment, or in your welcome […]
If an identity thief makes unauthorized transactions on your account, businesses still will have to report it which will show up on your credit report. In order to get a business to stop reporting inaccurate information to credit reporting companies you must send a copy of your Identity Theft Report and a letter explaining what […]
Your credit monitoring service is provided by AutoPayPlus through a business partnership with TransUnion. TransUnion is one of the three major credit reporting agencies. Credit reporting agencies or credit bureaus collect your credit history from credit card companies, banks, mortgage companies, and other creditors to create your credit report, so the agencies also know when […]
It’s simple math that makes the difference. A 30-year, $250,000 home loan at 4.3% enrolled in AutoPayPlus will save you $31,794.27 in interest, and it will be paid off 52 months faster than a traditional loan schedule. We debit your account for 1/2 of the monthly loan payment every two weeks which gives you the […]
According to the NHTSA, their technical experts review each and every call, letter, and online report of an alleged safety defect filed. They have no jurisdiction over defects that are not safety related, but they review each report that suggests a potential safety defect involving groups of motor vehicles or vehicle equipment. There is no […]
Public records and collection items stay on your report for seven years with the exception of bankruptcies, which stay on it for 10 years. Unpaid tax liens remain for 15 years. Positive information remains indefinitely, although agencies can remove it after seven years. Inquiries remain for two years.
A 30-year, $250,000 home loan at 4.3% enrolled in AutoPayPlus will save you $31,794.27 in interest over the life of the loan. Check out our loan savings calculator to see how much you can save on your home mortgage.
You’d save $373.83 on a $30,000, 60-month loan at 8%. And if you traded in your vehicle at 42 months into your loan, you’d have paid ahead $2,114 more than the standard loan payoff with AutoPayPlus!
AutoPayPlus offers an open enrollment period, which is the first 6 months from sign up, when you can enroll additional loans/bills under the enrollment fee of up to $399. Other fees include a one-time $2.45 account verification fee and a $2.45 convenience fee for biweekly debits. See our pricing information for details.
On a $30,000, 60-month auto loan at 4.64%, the AutoPayPlus loan service would get you out of debt 5 months faster.
On 15-year, $150,000 RV loan at 5%, AutoPayPlus would get your loan paid off 20 months sooner — that’s a lot of time to ride debt free!
A 30-year, $250,000 home loan at 4.3% enrolled in AutoPayPlus with biweekly payments will be paid off 52 months sooner. Plug your loan amount into our loan savings calculator to see how much faster you can be mortgage free.
On a 10-year, $29,400 student loan with an interest rate of 3.9%, AutoPayPlus would enable you to pay off your debt 11 months sooner. Try our loan savings calculator to see how much faster you can get out from under your student loan bills.
On a 10-year, $29,400 student loan at an interest rate of 3.9%, AutoPayPlus would save you $57.93 in interest payments over the life of the loan. The bigger benefits here are paying off this debt nearly a year early, the convenience of auto-payments, and the ability to add other loans for the same enrollment fee. Check […]
We are always seeking out financial products and services that benefit our customers. And we know how important maintaining good credit is to managing debt effectively. To that end, AutoPayPlus is pleased to provide monthly VantageScore credit score reporting, and a full credit report twice a year to you at no cost. Credit monitoring and instant […]
You have unlimited access to your credit score. It’s important to check your score on a regular basis to avoid unwelcome surprises when applying for new credit. Your score will update once a month and is activated by your log in. You need to log in to your account, to refresh your score.
If you have any questions about your credit report or wish to dispute the accuracy of the information in your credit report, please go to www.TransUnion.com and look for “consumer assistance” information. Alternatively, you can call TransUnion at (800) 916-8800.
First, report your vehicle, equipment, car seat or tire safety defect to the NHTSA. If they receive similar reports from multiple people about the same product, it could indicate a safety defect may exist and would warrant further investigation.
Yes, but under certain conditions. Vehicle manufacturers are required to reimburse owners for costs incurred to remedy a defect based on either the date the NHTSA opens its engineering analysis, or one year prior to the manufacturer’s notification of a defect to the NHTSA, whichever is earlier. The closing date of eligibility for reimbursement is […]
Yes; the law specifically states that the recall solutions are in addition to other available legal solutions. To determine specific State law remedies, you should consult a lawyer, your State Attorney General or your local district attorney’s office.
AutoPayPlus is offering customers their monthly credit score and credit score trending for free. Credit monitoring and instant alerts is a free 12 month introductory offer.
With our open enrollment policy you can add as many loans and bills as you like for the first 6 months and only pay convenience fees. See pricing for more details.
Yes — just give us a call and we’ll let you know how much you could save on your student loans by enrolling them in AutoPayPlus.
With our open enrollment policy you can add as many loans and bills as you like for the first 6 months and only pay convenience fees. See pricing for more details.
Once you receive a notification, follow any safety guidelines or steps the manufacturer provides. Then you need to contact your dealership and visit them to have the vehicle serviced. It is very important you go to them because they will fix the recalled part of your vehicle for free. If they refuse to repair your […]
Some examples of auto recalls can include: Steering components that break suddenly causing loss of vehicle control Accelerator controls that stick or break Wheels that crack or break Windshield wipers that fail to operate or malfunction Seats or seat backs that fail to work suddenly during normal use Wiring system problems that cause fires or […]
If an identity thief accesses your personal information they can use it to do any of the following: Drain your credit and debit card accounts by purchasing expensive items Open a new credit card account in your name with a different address and when they don’t pay the bills the delinquent account is reported on […]
Five factors go into determining your VantageScore: length of your credit history amount of money owed types of credit used history of opening new credit accounts payment history Using credit responsibly and borrowing within your means will help you improve your credit over time. One of the most important things you can do to improve […]
When reviewing your credit report you should verify your name, address, Social Security Number, date of birth, credit and charge accounts, outstanding balances and limits on your accounts, payment histories, inquiries, that you are aware of all of the accounts on the report and that any bad credit information has been deleted after seven years.
Credit scores range drastically, anywhere from below 300 to above 800. The higher the number, the better your credit score is and the less of a credit risk you are to banks or loan programs. Your credit score increases over time and as you open more credit and loan accounts. The following includes a more […]
If you trade in or sell your RV or power sports vehicle or do anything that changes the payment date or requires a stop payment, notify AutoPayPlus in advance so that we can make the proper adjustments to your transaction schedule. We require 5 days advance notice to stop a debit/withdrawal or payment.
No problem. If you do anything that changes the payment date or requires a stop payment, notify AutoPayPlus in advance so we can make the proper adjustments to your transaction schedule. In order to stop a scheduled debit/withdrawal or payment, we must have 5 business days advance notice.
If you sell or refinance your home, or do anything that changes the payment dates or requires a stop payment, you need to notify AutoPayPlus immediately so we can make the proper adjustments to your transaction schedule.
If you trade in or sell your car or do anything that changes the payment date or requires a stop payment, you must notify AutoPayPlus immediately so we can make the proper adjustments to your transaction schedule.
A credit monitoring system monitors a consumer’s credit reports for signs of possible fraud. Credit monitoring services notify consumers when new information, such as a new account or credit inquiry, shows up on one or more of their credit reports. Consumers can then follow up and make sure the new information is legitimate. Consumers can […]
An auto recall is when a vehicle, equipment of a vehicle, tire or car seat is a safety risk or does not meet up to the minimum safety standards. The National Highway Traffic Safety Administration (NHTSA) determines this and if they do, manufacturers are required to repair it, replace it, refund consumers or in some […]
AutoPayPlus is a personal financial management service that includes auto-payments, tools to make smart financial decisions and credit monitoring. With AutoPayPlus, our customers pay down their debts faster, build equity more quickly, and save on most loans by using biweekly and other customized loan payoff strategies. Savings is dependent on loan amount, term length, and interest […]
Identity theft is the crime of obtaining the personal or financial information of another person for the sole purpose of assuming that person’s name or identity to commit fraud or other crimes. Information such as your name, address, credit card or bank account numbers, Social Security Number, medical insurance account numbers, etc. are at risk […]
An inquiry refers to a request to look at a consumer’s credit file, and it generally falls into one of two types: a hard inquiry or a soft inquiry. Hard inquiries are typically inquiries by lenders after a consumer applies for credit. These inquiries will impact credit scores because most credit scoring models look at […]
A consumer’s credit report is a synthesis of the consumer’s credit accounts, payment histories, accounts referred to collections, inquiries into a consumer’s credit file and public financial records, like bankruptcies. The credit history documented in a consumer’s credit report is collected by a consumer reporting agency. The three largest nationwide consumer reporting agencies are Equifax, […]
AutoPayPlus makes monitoring your trade-in value as easy as logging into your website account which now has trusted Kelley Blue Book information. We use a simplified valuation that uses your enrolled vehicle’s make/model/ID to request the current trade-in value from Kelley Blue Book for a used vehicle that is in good condition, the category that most consumer […]
You can enroll any fixed rate loan: home mortgage, auto, RV, ATV, boat, student or personal loan. And remember that AutoPayPlus isn’t just for loans. Automating your household bill payments with our service can save valuable time and avoid costly late payments and penalties. During open enrollment, which is 6 month period from your start […]
A credit report is basically divided into four sections: identifying information, credit history, public records, and inquiries. Identifying information is just that– information to identify you. Other information might include your current and previous addresses, your date of birth, telephone numbers, driver’s license numbers, your employer and your spouse’s name. The next section is your […]
Debt collectors may contact you if an identity thief opens accounts in your name but doesn’t pay the bills. To stop contact and collection action, contact the debt collector, the business that opened the fraudulent account, and the credit reporting companies. You should write to the debt collector within 30 days after you receive a […]
If an identity thief has tampered with your investments or brokerage accounts, contact your broker, account manager and the U.S. Securities and Exchange Commission (SEC). Call: 1-800-SEC-0330 Mail: SEC Office of Investor Education and Advocacy 100 F Street, NE Washington, DC 20549
If you believe someone filed for bankruptcy in your name, contact the U.S. Trustee in the region where the bankruptcy was filed. The U.S. Trustee Program refers cases of suspected bankruptcy fraud to the United States Attorneys for possible investigation and prosecution. First, write a letter to the U.S. Trustee in the region where the […]
If someone uses your Social Security number to get a job, the employer will report the person’s earnings to the Internal Revenue Service (IRS). When you file your tax return, you won’t include those earnings. But, IRS records will show you failed to report all your income and you can expect to get a letter […]
If you think an identity thief has used your information to get a driver’s license in your name, contact the DMV in your state. If your state uses your SSN as your driver’s license number, ask to substitute another number.
An identity thief may steal your Social Security Number and sell it, or use the number to get a job or other benefits. Contact the Social Security Administration when you discover any misuse of your Social Security Number. Call: 1-800-772-1213 or go to www.socialsecurity.gov
Find out the name of the credit card issuer and contact their fraud department to have the account closed. Let the credit card issuer know that the account is not yours. The credit card issuer may ask for further proof, like a police report or Identity Theft Affidavit. Also ask for a copy of the […]
Chex Systems, Inc. is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA). You can request a free copy of the ChexSystems report that lists checking accounts opened in your name. Also contact each of the banks where accounts were opened. Call: 1-800-428-9623 or go to https://www.chexsystems.com/web/chexsystems/consumerdebit
If an identity thief gets medical treatment using your name, the thief’s medical information can be added to your medical, health insurance, and payment records. If you suspect an identity thief has used your medical information, get copies of your medical records. Under federal law, you have a right to know what’s in your medical […]
The U.S. Postal Inspection Service is the federal law enforcement extension of the U.S. Postal Service and investigates cases of identity theft. Sometimes an identity thief steals mail or changes your mailing address and uses it to get your personal and financial information, open new accounts, or commit tax fraud. If you think this has […]
If an identity thief has stolen your passport, contact the U.S. Department of State online at https://travel.state.gov/content/passports/en/passports.html.
If an identity thief steals your paper checks or misuses the account number from the bottom of your checks, contact your bank or financial institution and ask them to close the account as soon as possible. Federal law doesn’t limit your loss if a thief forges your signature on your checks or uses your account […]
An identity thief may use your personal or financial information to receive a student loan. Contact the school or program that opened the loan and ask them to close the loan. Also report the fraudulent loan to the U.S. Department of Education. Call: 1-800-647-8733 or go to www.ed.gov/about/offices/list/oig/hotline.html Mail: U.S. Department of Education Office of the […]
An identity thief may use your personal and financial information to get telephone, cable, electric, water, or other services. Report fraudulent accounts to the service provider as soon as you discover them and cancel the services. For electric or water services contact your state Public Utility Commission at www.naruc.org/commissions. For phone services contact your provider […]
If an identity thief uses your name, date of birth, Social Security Number, or other personal information during an investigation or arrest, the information will be added to your state’s criminal database. The information also may be added to a national criminal database. If you learn who the thief is, ask the criminal records database […]
If your wallet, Social Security card, or other personal, financial, or account information is lost or stolen, contact the credit reporting companies and place a fraud alert on your credit file. Check your bank and other account statements for unusual activity. You may want to take additional steps, depending on what information was lost or […]
In order to obtain free replacement or repair of a recalled tire, you must bring the tire to the dealer within 60 days of receiving the recall notification letter from the manufacturer. If replacements are not available when you present your recalled tires, obtain a written acknowledgment from the dealer, and keep it until the […]
The Fair Credit Billing Act (FCBA) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements. Federal law limits your responsibility for unauthorized charges to $50. In order to exercise your rights you need to: Write to the creditor at the address given for “billing inquiries,” not the address for sending your […]
Even with precautionary measures, it is still possible to become a victim of identity theft. If you do, take these first steps: Call TransUnion (1-800-680-7289) and report that you are an identity theft victim and ask to put a fraud alert on your credit file. The initial fraud alert will stay on your account for […]
There is no way to completely prevent identity theft; however there are ways to protect your identity more safely. To minimize the risk of becoming a victim of identity theft, here are some basic steps you can take: Lock your financial documents and records in a safe place at home and lock your wallet or […]
Auto recalls can occur at any time whenever a safety defect is found. According to the United States Code for Motor Vehicle Safety, generally a safety defect is defined as a problem that exists in a motor vehicle or item of motor vehicle equipment that poses a risk to motor vehicle safety, and may exist […]
AutoPayPlus is not a lender. Think of us as your personal loan advocate, working with your lenders on your behalf to ensure that your payments are being applied in the way that benefits you most.
You’ll save the most if you enroll at the beginning of your loan term, but you can still benefit from the program even if you’ve had your mortgage for some time. Just give us a call and we’ll let you know how much you can save and help you get started today.
The Fair Credit Reporting Act states that lenders with whom a consumer has applied for a loan can view credit reports. So your credit card companies and financial institutions supplying auto loans and mortgages can access it. So can your landlords, utility companies, phone companies, hospitals, doctors, dentists, insurance companies, credit unions, finance companies, banks, […]
As the owner and operator of AutoPayPlus™, US Equity Advantage has helped more than 200,000 customers reach their financial objectives faster. USEA is not a lender. Think of us as your personal loan advocate, working on your behalf to ensure that your accelerated payments are being applied by your lender in the way that benefits you […]
While it may be possible to implement a biweekly loan payment plan yourself, many people find it hard to do successfully on their own. We offer a convenient service that makes accelerating your loan payoff easy and automatic. It would take time and discipline to set aside ½ payments and then make sure that your extra payments […]
Since any new information on your credit report can affect your credit score and your ability to get credit, monitoring your credit for any changes or inaccuracies is very important. Correcting incorrect negative information on your credit report can significantly raise your credit score and save you thousands of dollars a year. Credit monitoring is […]
Your credit score is an important barometer of your financial health. It’s what many lenders look at to determine whether or not to extend you credit, and how much you’ll be charged in interest to borrow money.
No; with the large number of reports received by the NHTSA, a return call for each report filed is not permitted. In some cases, an investigator from the Office of Defects Investigation may call to clarify information from your report.
No, you don’t need to go to the trouble or cost of refinancing; we’ll facilitate the new payment schedule with your existing lender. In fact, biweekly payments are a good option for homeowners who can’t or don’t want to refinance. Instead of paying appraisal costs, closing costs and taxes in some states, you can put […]
No, you don’t need to go to the hassle or cost of refinancing. You can stay with your existing lender and we’ll facilitate the payment process with them. Instead of paying appraisal costs, closing costs, and taxes in some states, you can put that money toward paying down principal.