What is an Adverse Action Notice?

An Adverse Action Notice is to inform you that you have been denied credit based on information in your credit report and/or other information we obtained and reviewed. You can reference the Adverse Action Notice document for further details into the reason(s) for the denial of credit. The information we obtained and reviewed was provided by Transunion. If you believe there is an error in the information provided, we recommend that you contact Transunion directly at (800) 916-8800.

For additional information, please email an Upgrade Customer Support representative at support@upgrade.com, or call us toll-free at (844)-319-3909 Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT.

Articles in this section

• Are the personal loan rates fixed or variable?
• Can a personal loan or Upgrade Card be used for school?
• Can I apply by mail?
• Can I apply for another personal loan through Upgrade?
• Can I change my instructions?
• Can I include additional income?
• Can I include household income on my application?
• Can I increase my loan amount after I’ve already selected an offer?
• Can I mail my documents to you instead?
• Can I use my entire loan to pay off my credit cards?