Frequently Asked Questions

Upwardli is a company that provides credit building services, in partnership with Cross River
Bank. Upwardli can offer Western Union customers a line of credit that can be used to build
their credit history through Western Union money transfers. Upwardli is the name that you will
see on your credit report.
For any questions about your line of credit, contact Upwardli at support@upwardli.com
Please note that Upwardli is not a bank. Banking services are provided by Cross River Bank,
member FDIC.

If you are approved for a credit builder line of credit through Upwardli, you will be asked if you
want to use the line of credit for qualifying transfers. If you agree, Western Union will notify
Upwardli on your behalf of the amount you want to send and Upwardli will fund your transaction.
You will then pay Upwardli through Western Union’s bill pay service, and Western Union will
notify Upwardli when you have fulfilled your payment obligation.
Please note that any balances left unpaid may result in a late payment being reported to the
credit bureaus.

You must be able to repay the transfer amount at the time you send it. Upwardli funds the transfer upfront, but you authorize Western Union to collect repayment immediately through our bill pay service. If funds aren’t available, the payment may fail and your transfer may not be processed

Because we believe credit building should be free, we are happy to provide the credit
reporting option to you at no charge.

• You must be at least 18 years old with a physical U.S. residence (no P.0. boxes).
• A valid social security number (SSN) or Individual Tax Identification Number (ITIN).
• A valid government issued ID.

No. A “soft inquiry” credit check is used to pre-approve you for a credit builder line of credit. If you are approved, you will see a new tradeline from Upwardli. Upwardli will report the line of credit and related activity to Experian and Equifax.

All approved users will have access to a 2000 USD credit line that can be used only for money transfers with Western Union Digital Product.
If your transfer exceeds 2000 USD, it will not be eligible for credit building.

Whether you are new to the US or just getting started, a ‘thin’ credit file can make it
difficult to get access to financial services, buy a car, rent a house, or even secure a job.
Reporting line of credit activity to the credit bureaus builds your credit history, increases
the types of credit on your credit report, and may boost your score.

All transfers will be updated in the monthly statement generated by the Credit Builder at
the end of the month.

Only customers in eligible states have access to the credit builder. If you are in a state
where the credit builder is not offered, please check back with Upwardli because there
are plans to unlock additional states in the future.

Your access to credit-building features may be discontinued. To check the availability of
this service, please contact Upwardli at support@upwardli.com

Please contact Upwardli at support@upwardli.com for a complete list of states where
credit building services are available.

Closing your account may temporarily impact your credit score. Please contact Upwardli
for more information at support@upwardli.com

The Upwardli Credit Builder program will close on April 20th. After this date, the Credit Builder feature will no longer be available through Western Union.

We sent advance notice by email about 30 days and 7 days before the closure date, so customers have time to prepare.

Your Upwardli Credit Builder account will close on April 20th.

After that date, you won’t be able to log in or use the account through Western Union. As a result, the Credit Builder feature will no longer be available for future money transfer.

Closing a credit account can affect your credit score, but the impact can be different for everyone.

For example, it may affect:

• The length of your credit history
• The types of credit listed on your report

If you’re concerned about your credit score, you may want to check your credit report after the account closes.

Yes. The account closure will be reported to Experian and Equifax.

You may want to check your credit report after the closure date to make sure everything looks correct. You’re entitled to a free credit report once a year at AnnualCreditReport.com.

If you need past statements, transaction history, or account records, please contact Upwardli Customer Care.

Western Union does not keep Upwardli account records after the program closes. Upwardli will be your point of contact for account history and documentation.

There isn’t anything you need to do. Your account will close automatically on April 20th.

However, we recommend that you:

• Save or download any statements or records you may need
• Note the closure date and review your credit report afterward
• Contact Upwardli Customer Care if you have questions about your account or funds

Yes. There are several ways to build or improve your credit.

Some common options include:

• Secured credit cards
• Credit-builder loans from banks or credit unions
• Authorized user status on an existing credit card

Before choosing a credit-building option, it’s a good idea to compare products and choose the one that fits your financial goals.

It depends on what you need help with.

For questions about Western Union transfers or your Western Union profile, contact Western Union Customer Care.

For questions about your Upwardli Credit Builder account, funds, or statements, contact Upwardli Customer Care directly at: +17209459350.