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About

Important information

  • Customer Complaint:
    BBB’s file for Upgrade Inc. was created in January 2017. A review of complaints was completed in February 2026. Complaints on file concern credit reporting issues.

    BBB encourages consumers to review the company’s links below that details the company’s terms of use, credit score reporting and information about active account qualifications.

    Terms of Use
    Credit Health Monitoring
    How long does it take for my credit score to change?



About This Business

Universal Credit offers loan services.

BBB Accredited Since: 4/28/2017

Years in Business: 11

Products and Services

Auto Finance, Auto Refinance, Cash Rewards Cards, Credit Cards, Credit Health Monitoring, Debt Consolidation, Home Improvement Loans, Life Rewards Cards, Major Purchase Loans, OneCard, Performance Savings, Personal Loans, Rewards Checking, Unexpected Expense Loans

Photos and Videos

  • image description not provided by submitter

Business Details

BBB File Opened:
1/4/2017
Business Started:
8/18/2014
Business Incorporated:
7/29/2016
Type of Entity:
Corporation
Alternate Names:
Credify Finance Corp.
Business Management:
Mr. Thomas Curran, Chief Compliance Officer
Number of Employees:
1000

Additional Contact Information

Additional Email Addresses
Customer Service: Email this Business

Licensing information

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

BBB records show a license number of 1548935 for this business, issued by Nationwide Mortgage Licensing System/NMLS. The expiration date of this license is 11/30/2026.

Nationwide Mortgage Licensing System/NMLS

1129 20th Street, N.W., 9th Floor

Washington DC 20036

BBB records show a license number of 10608-99 for this business, issued by California Department of Financial Protection and Innovation . The expiration date of this license is 11/30/2026.

California Department of Financial Protection and Innovation

2101 Arena Boulevard

Sacramento CA 95834

Additional Information

Payment methods
  • Check
Other Resources
California Department of Financial Protection and Innovation
2101 Arena Boulevard
Sacramento CA 95834
Phone Number: (866) 275-2677
https://dfpi.ca.gov/
[email protected]
Commodity Futures Trading Com.
Lafayette Center,1155-21st St. N.W.
Washington DC 20581
Phone Number: (202) 418-5080
http://www.cftc.gov
Federal Deposit Insurance Corporation
25 Jessie St
San Francisco CA 94105
Phone Number: 1-877-275-3342
https://www.fdic.gov/
Nationwide Mortgage Licensing System/NMLS
1129 20th Street, N.W., 9th Floor
Washington DC 20036
Phone Number: 1-855-665-7123
http://mortgage.nationwidelicensingsystem.org/Pages/default.aspx

Latest Reviews

  • Peggy G

    "Thanks to Upgrade, I was able to pay a most important bill and pay off a lot of credit card debt. This will set me in the right direction for next month!" ... Read full review

  • Ariel A

    "Fast funding and the fee looks about right compare to other loan companies sky high fees?" ... Read full review

  • Sharon M

    "Real easy and fast to work with. Low interest as well."

View all Reviews

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When considering complaint information, please consider the company's size and volume of transactions. Note that the nature of complaints and a company’s responses to them are often more important than the number of complaints. BBB Business Profiles generally cover a three-year reporting period.