Terms and Conditions
Version: v1.1
Effective Date: December 12, 2025
Last Updated: December 12, 2025
Overview.
These Terms and Conditions (“Terms”) govern your use of the services provided by UpCredit, LLC, a wholly owned subsidiary of LV Collective Management, LLC (“UpCredit,” “we,” “us,” or “our”). By enrolling in or using our service, you agree to these Terms. If you do not agree, do not enroll in or use the service.
Description of Services.
UpCredit reports on-time rental payments by participating tenants major consumer reporting agencies (“Credit Bureaus”) to help establish or improve their credit history.
UpCredit:
Reports positive payment data obtained from Entrata (a property management system)
Does not report late payments or delinquencies
Is available only to tenants of participating properties
Eligibility.
To use the UpCredit services, you must:
Be a current tenant of a property managed by an Entrata-integrated entity; and
Be at least 18 years old and contractually responsible for rent payments.
Fees.
Enrolling in UpCredit’s credit reporting service may include a monthly fee, billed through your property’s management system or directly via Entrata. Fees are earned upon receipt for the applicable billing period. Fees are subject to change, and you will be notified of any updates before they take effect. Unless required by applicable law or expressly stated otherwise in writing by UpCredit, fees are non-refundable.
You may opt out of the program at any time through our website (https://www.upcredit.us/).
Go to https://www.upcredit.us/account
Type in the email you signed your lease with
Retrieve the authentication code to access your account
Click “Opt out of Credit Reporting”
Follow on-screen directions to opt out
Opting out:
Terminates your participation in the program.
Stops future reporting of your payments.
Does not delete previously reported data from your credit file.
UpCredit may suspend or terminate the service (or your participation) without notice as reasonably necessary to maintain compliance, prevent fraud or misuse, address security concerns, or as otherwise permitted by law. To the extent permitted by law, UpCredit may also terminate the service (or your participation) immediately upon providing electronic notice for any reason in UpCredit’s sole discretion.
Data Accuracy and Disputes.
UpCredit follows procedures outlined in its FCRA Furnisher Policies & Procedures to help ensure data accuracy.
If you believe data has been reported in error:
Contact the Credit Bureau directly; or
Send a written dispute to UpCredit at the address listed in Section 12.
We will investigate and respond within 30 days of receiving your dispute, in accordance with the Fair Credit Reporting Act (“FCRA”) and applicable law.
No Guarantee of Credit Improvement.
While timely rent reporting may positively affect your credit score, UpCredit makes no guarantee of specific results. Each credit bureau uses its own scoring models and may weigh rental data differently or may not weigh rental data at all.
Limitations of Liability.
To the fullest extent permitted by law:
UpCredit is not liable for any indirect, incidental, consequential, exemplary, special, or punitive damages, including lost profits, loss of data, or loss of goodwill, arising out of or related to the service or these Terms.
UpCredit’s total liability for any claim arising out of or related to the service or these Terms will not exceed the amount of fees paid by you in the three months preceding the event giving rise to the claim.
Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, the above limitations apply to the fullest extent permitted by law.
Data Security and Privacy.
UpCredit adheres to data security protocols and leverages Entrata’s systems for most data storage and processing. Your use of the service is also subject to the UpCredit Privacy Policy, which is incorporated by reference into these Terms.
Modifications to Terms.
We may revise these Terms periodically. We will post the updated Terms on our website with an updated “Last Updated” date. Continued use of the service after changes become effective constitutes acceptance of the updated Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles, except to the extent preempted by federal law (including the Federal Arbitration Act, as applicable).
Dispute Resolution; Binding Arbitration; Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. It affects your legal rights. It provides that most disputes must be resolved by binding arbitration and not in court, and that you and UpCredit are each waiving the right to a trial by jury and waiving the right to participate in a class action.
Covered Disputes. Except as expressly provided below, any dispute, claim, or controversy arising out of or relating to (a) these Terms, (b) the service, (c) any furnishing, processing, or reporting of data in connection with the service, or (d) the relationship between you and UpCredit (each, a “Dispute”) shall be resolved by final and binding arbitration on an individual basis.
Informal Resolution First. Before initiating arbitration, the party asserting a Dispute must send a written notice describing the Dispute and the relief requested (“Notice of Dispute”) to UpCredit at the address in Section 12 (Attn: Legal) or by email to support@upcredit.us (subject line: “Notice of Dispute”). The parties will attempt in good faith to resolve the Dispute for 30 days after receipt of the Notice of Dispute.
Arbitration Administrator; Rules. Arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (or, if the AAA is unavailable, a comparable set of consumer arbitration rules). The arbitrator will apply applicable substantive law and applicable statutes of limitation.
Location; Remote Proceedings. Unless you and UpCredit agree otherwise, arbitration will be conducted in Travis County, Texas. Either party may request to conduct the arbitration by phone, video, or based on written submissions, subject to the arbitrator’s discretion and the applicable rules.
Delegation; Arbitrability. The arbitrator (not a court) shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this Section 11 is void or voidable.
Class Action Waiver. YOU AND UPCREDIT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY. Neither you nor UpCredit may participate as a plaintiff or class member in any purported class, collective, representative, or private attorney general proceeding in court or in arbitration. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of class, collective, representative, or private attorney general proceeding.
Attorneys’ Fees; Relief. The arbitrator may award any relief available to the parties in an individual action under applicable law. Attorneys’ fees and costs will be governed by applicable law.
Opt-Out Right. You may opt out of this arbitration agreement by sending written notice within 30 days of first enrolling in the service to: UpCredit LLC, Attn: Arbitration Opt-Out, 801 Congress Avenue, Suite 200, Austin, TX 78701. Your notice must include your name, current address, the property name (if applicable), and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms
Survival. This Section 11 survives termination of your participation in the service and termination of these Terms.
Contact Information
UpCredit LLC 801 Congress Avenue, Suite 200 Austin, TX 78701 Email: support@upcredit.us
