### How to update my account if I filed for bankruptcy?

If you have filed a case with the bankruptcy court, we ask that you <a href="/docs/contact-us">contact us</a> with the following information:

* Your full name
* Your username or email address
* Your mobile phone
* Your attorney information (if you have one)
* Court case number
* Chapter filed (7, 11 or 13)
* Date case was filed

Alternatively, you can ask your attorney to mail a copy of your bankruptcy petition to:

**460 Brannan St**\
**San Francisco, CA 94107**

Bankruptcy

### How do I update my contact information?

To update your contact information:

1. Sign in to your account.
2. Navigate to *"Account settings"*.
3. Click on *"Edit"* located near the information you want to update. For some updates we’ll send you a one-time code to verify the change.

Update my contact information

### What’s my loan ID or account number?

You can find your loan ID in most emails related to your loan. It’s also located in your online account:

1. Sign in to your account.
2. Choose a loan in the *"Active Loans"* section.
3. Look for a *"LOAN ID"* in the loan details page.

Your loan ID is unique. If you have multiple loans, each loan will have a different loan ID. For us to better service you, please make sure you use the right loan ID when you <a href="/docs/contact-us/">contact us</a>.


Find loan ID

### What should I do if I notice unauthorized activity on my account?

You are not responsible for any unauthorized activities. If you believe fraud occurred on your account please <a href="https://loansfaq.wisetack.com/docs/contact-us/">contact us</a> immediately and we’ll do everything we can to help you.


Fraud protection

Manage account

### How do I change my email and mobile notifications?

You can change your email and text notifications:

1. Sign in to your account.
2. Navigate to *"Account settings"*.
3. If you don’t want to receive text messages, uncheck *"Receive text messages about my loan"* next to your "*Mobile Phone* number".
4. If you don’t want to receive email payment reminders when your loan is *current*, check *"Don’t send payment reminders when my loan is current"*.

Keep in mind, we can’t stop email notifications about regulatory information, payments status and overdue loans.

Notification preferences

### Where can I read Privacy Policy?

You can view the Privacy Policy <a href="https://wisetack.us/#/privacy">right here</a>.

Privacy Policy


### How do I submit a CCPA privacy request?

The California Consumer Privacy Act (CCPA) allows California residents to:
- Opt out of marketing
- Request a copy of personal data we have on file about you
- Request that we delete this data
- Opt out of having your personal data sold to third parties

Our responses to requests may be limited due to exceptions under the CCPA that relate to financial data.  For example, due to financial regulations, we aren’t able to delete some data related to your account or loans. We are not using cookies to track your activity on the website.


Privacy request

### How do I see my active and past loans?

To see your active loans:

1. Sign in to your account.
2. Choose a loan in the *"Active Loans"* section.

To see your past loans:

1. Sign in to your account.
2. Click on *"View past loans"* in the *"Active Loans"* section.
3. Choose a loan.

See my loans

### How do I send a document to the customer support?

To securely upload and send documents:

1. Sign in to your account.
2. Navigate to *"Account settings"*.
3. Scroll to the *"Upload documents"* section and click on *"Upload document(s)"*.

To keep your personal information safe, documents will not be accessible after you successfully upload them. Our customer support team will review them internally.

To email documents, please <a href="https://support.wisetack.com/hc/en-us/articles/6806751144091-Contact-us">reach out to us</a>.


Send a document

### Where can I read Terms of Service?

You can view the Terms of Service <a href="https://wisetack.us/#/terms">right here</a>.

Terms of Service

**Wisetack Customer Support**

Email us at [payment@loans.wisetack.com](mailto:payment@loans.wisetack.com)

Call us at (888) 711-5854


Contact us

Help

### How do I get my money back if I paid by accident?

#### One-time payment

Please <a href="/docs/contact-us/">contact us</a> if you made an online payment that you didn’t mean to make. Payment reversal requests must be made no more than three business days after you submit the payment.

We are not always able to reverse a payment due to limitations with payment processors, banking institutions, and card networks.

If possible, we’ll reverse the full amount of the payment after it has been processed. You should receive the funds in your bank account in 5-10 business days, depending on your financial institution.

#### Future payment

You can cancel a scheduled payment if it hasn't been processed yet, typically up to three business days before the payment date. To cancel a future payment:

1. Sign in to your account.
2. Choose a loan.
3. In the *"Activity"* tab, find the future payment date and the amount.
4. Click on “⌄” to see the payment details.
5. Click on *"Cancel"*.

#### Autopay

You can stop an automatic payment if it was not processed yet, normally up to three business days before the payment date. See how to <a href="/docs/payments/turn-on-autopay/">turn off Autopay</a>.


Accidental payment

### How do I change my payment due dates?

To change your due dates:

1. Sign in to your account.
2. Choose a loan.
3. Click on *"Loan options⟶Change due date"*.
4. Select a new frequency.
5. Click on *"Update due dates"*.

Please note that your upcoming due date will not change. Updated due dates will be effective following the upcoming due date.

Changing due dates will not change an overdue amount (if you have any). To pay that amount, please make or schedule a <a href="/docs/payments/make-payment/">one-time payment</a> on your loan.

Change my due dates

### What can I do if my loan has been charged off?

We may charge off your loan if you stopped making payments for a few months.

If your loan was charged off, it may have been sent to a debt collection agency. To get the debt collection agency details you can sign in to your account and select the charged off loan. The details will be shown at the top of the loan details page.

Charged off loans

### What’s my loan balance?

To check your loan balance:

1. Sign in to your account.
2. Choose a loan.
3. Click on *"Loan option⟶Make a payment"*.
4. In the "*Amount"* section, see "*Remaining balance"*.

Check my balance

### How do I get a payoff statement?

To get your payoff statement:

1. Sign in to your account.
2. Choose a loan.
3. Click on "*Loan options⟶Get payoff statement"*.
4. Select how you want to receive the statement and click *"Submit"*.

Get a payoff statement

Payments

### What happens if I make a late payment?

If you are experiencing financial hardship, please learn about your options.

If you are going to be late on a payment or your payment failed, please sign in to your account and schedule a payment as soon as possible.

We don’t charge late fees.

After you schedule a payment, you’ll continue to receive reminders by email and/or text messages but you won’t receive collection calls.


Late payments

### How do I pay my loan?

You can make or schedule payment online:

1. Sign in to your account.
2. Choose a loan you want to make a payment for.
3. Click on *"Make a payment"*.
4. Select your payment amount, payment date, and payment method. Click *"Continue"*. If you don’t have a valid payment method on file you first need to <a href="/docs/payments/manage-payment-methods/">add one</a>.
5. Review the payment details.
6. Click on *"Make payment"*.

Make a payment

### How can I add a payment method?

You can pay loans with your bank account (ACH) or <a href="/docs/payments/pay-by-check/">mail us a check</a>.

To add a new payment method:

1. Sign in to your account.
2. If you have an active loan, click on *"Loan options⟶Manage payment methods"*. You can also navigate to "*Account settings"* and scroll down to the "*Manage payment methods"* section.
3. Click on *"Add payment method"*.
4. For Bank Account (ACH) you can either manually enter your bank account information or you can click on "*Autofill using bank login"*.\
   If you manually entered the information we might ask you to verify your account:

   1. We will make two small deposits in amounts of less than $1 each to the bank account. It might take 1-2 business days to appear in your bank account.
   2. When you see the amounts in your bank account, please come back and enter the two amounts to verify your account details.
5. After you successfully added the payment method you can make a <a href="/docs/payments/make-payment/">one-time payment</a> or <a href="/docs/payments/turn-on-autopay/">turn on Autopay</a>.

Manage payment methods

### When are my payments due?

To see when your payments are due:

1. Sign in to your account.
2. Choose a loan.
3. Click on the *"Activity"* tab.
4. You can click on the “⌄” sign to see details of a due date.

If you have multiple loans, each loan might have a different due date schedule. We’ll send you reminders so you don’t forget to pay on time.

My payment due dates

### What happens if I pay more than the amount that is due?

If you pay more than the amount that is due, the extra amount goes toward your loan balance. If your loan is current, an extra amount is normally applied toward the loan principal. As a result you can expect fewer scheduled payments, a smaller final payment, or both. You could also save on interest that hasn't accrued yet.

Overpayments

### How can I pay by check?

Checks may take up to 10 business days to process. If you want a faster way to pay you can use a <a href="/docs/payments/manage-payment-methods/">
bank account (ACH)</a>.

To pay with a check:

1. You must submit one check for one loan only. If you have multiple loans, please mail multiple checks.


2. You must include the following information on the check:
   1. Your name (if it's not on your check).
   2. Your loan ID.


3. Make the check payable to:\
   **Wisetack, Inc.**


4. Mail the check to:

   1. Via USPS:\
      **Wisetack, Inc.\
      Dept. 2554\
      PO Box 122554\
      Dallas, TX 75312-2554**
   
   2. Via Courier (FedEx, UPS, etc.)\
      **Dallas Regional Lockbox\
      Wisetack, Inc.\
      892554\
      1501 North Plano Rd Ste 100\
      Richardson, TX 75081**

If you forget to include the loan ID, and we can identify your account by the name on the check, your payment will go toward the oldest active loan. If your check is higher than the outstanding balance, your loan will be paid off and you’ll receive a <a href="https://loansfaq.wisetack.com/docs/refunds/reimbursment-status/">reimbursement</a> for the difference.


Pay by check


### When payment reminders are sent?

We’ll send you payment reminders 3 days before each due date. If you don’t want to receive reminders on your loans in a good status, you can <a href="/docs/account/notification-preferences/">update your notification preferences</a>.

If your loan has an overdue balance, we’ll send you additional reminders.

Payment reminders

### Does Wisetack report my loans to credit bureaus?

Wisetack reports loans to the following credit bureaus:

* Experian
* TransUnion
* Equifax

Things that may negatively affect your credit score:

* Incomplete Payments
* Late Payments
* Charged off loans

It usually takes between 30-60 days for your loan payments to appear on your credit report.

Reporting to credit bureaus

### How do I turn on/off automatic payments (Autopay)?

You can make automatic payments by turning on Autopay. Autopay automatically debits your payment from a selected payment method, or bank account, on each Autopay due date. Autopay can be aligned with loan payment due dates or more frequent.

Most of our borrowers enroll in Autopay for this reason. Set it and forget it!

#### Turn on Autopay

1. Sign in to your account.
2. Choose a loan you want to turn on Autopay.
3. Click on *"Enable Autopay"* or *"Loan options⟶Manage Autopay"*.
4. Select frequency and a payment method. If your payment method is not listed, you need first to add it. See how to add a new <a href="/docs/payments/manage-payment-methods/">payment method</a>.
5. Review the payment schedule and *"Autopay Consent"*.
6. Click on *"Set Autopay"*.
7. You will also receive an email with the Autopay details.

Autopay won’t automatically debit an overdue amount. To pay that amount, please make or schedule a <a href="/docs/payments/make-payment">one-time payment</a> on your loan.

#### Update Autopay

1. Sign in to your account.
2. Choose a loan you want to turn on Autopay.
3. Click on *"Loan options⟶Manage Autopay*".
4. Select a new frequency or another payment method.
5. Review updated *"Autopay Consent"*.
6. Click on *"Update Autopay"*.
7. You will also receive an email with the updated Autopay details.

#### Turn off Autopay

1. Sign in to your account.
2. Choose a loan you want to turn on Autopay.
3. Click on *"Loan options⟶Manage Autopay"*.
4. Click on *"Turn off Autopay"*.

Autopay payments that were already processed cannot be canceled. To stop an Autopay payment before it has been processed, a borrower must turn off Autopay at least three business days before the payment due date.


Turn on Autopay

### How do I cancel my loan?

If you paid the service provider another way, or accidentally confirmed two loans, we may be able to assist in canceling the incorrect loan. Once we have confirmed the error with your service provider, we will cancel the loan made in error within 3-10 business days. Depending on the circumstances, you may be liable for interest for the loan duration.

Otherwise, you can pay your loan early. We don’t charge any fees or penalties for prepayments. If you pay off your loan before the final due date, you can save on any interest that hasn’t accrued yet.

Cancel a loan

### How do I get a refund?

Once we have confirmed the refund total with your service provider, a refund will be issued.

If your refund amount is less than your outstanding balance, it might not lower your upcoming payment. Instead, you can expect fewer scheduled payments, a smaller final payment, or both.

If your refund amount is more than your outstanding balance, you’ll get back the difference. We’ll send you a reimbursement to your bank account on file within 3-10 business days. If you don’t have a valid bank account you can <a href="/docs/payments/manage-payment-methods/">add one</a>. You may also request to receive the reimbursement as a check mailed to your home address.

Get a refund

Refunds

### Where is my reimbursement?

Once sent, it may take 3-5 business days for a reimbursement to settle in your bank account. If the refund was mailed via check, it might take up to 10 business days to arrive in your mailbox.

Reimbursement status

Overview

This is an optional description for the call to action block.

The Title of The Call to Action Block

Showcase

Exto

https://themes.stackbit.com/demos/exto/

Fresh

https://themes.stackbit.com/demos/fresh/

Fjord

https://themes.stackbit.com/demos/fjord/

Medium inspired blogging theme for Unibit

Ampersand

https://themes.stackbit.com/demos/ampersandexto/

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# This is an H1

Quisque facilisis erat a dui. Nam malesuada ornare dolor. Cras gravida, this is marked text ornare, erat elit consectetuer erat, id egestas pede nibh eget odio. Proin tincidunt, velit vel porta elementum, magna diam molestie sapien, non aliquet massa pede eu diam. Aliquam iaculis. Fusce et ipsum et nulla tristique facilisis.

## This is an H2

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Morbi commodo, ipsum sed pharetra gravida, orci magna rhoncus neque, id pulvinar odio lorem non turpis. Nullam sit amet enim. Suspendisse id velit vitae ligula volutpat condimentum. Aliquam erat volutpat. Sed quis velit. Nulla facilisi. Nulla libero.

### This is an H3

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Morbi commodo, ipsum sed pharetra gravida, orci magna rhoncus neque, id pulvinar odio lorem non turpis. Nullam sit amet enim. Suspendisse id velit vitae ligula volutpat condimentum. Aliquam erat volutpat. Sed quis velit. Nulla facilisi. Nulla libero.

#### This is an H4

Quisque facilisis erat a dui. Nam malesuada ornare dolor. Cras gravida, diam sit amet rhoncus ornare, erat elit consectetuer erat, id egestas pede nibh eget odio. Proin tincidunt, velit vel porta elementum, magna diam molestie sapien, non aliquet massa pede eu diam. Aliquam iaculis.

## Quoting

Lorem ipsum dolor sit amet, consectetuer adipiscing elit.

>Creativity is allowing yourself to make mistakes. Design is knowing which ones to keep. - Scott Adams

Morbi commodo, ipsum sed pharetra gravida, orci magna rhoncus neque, id pulvinar odio lorem non turpis. Nullam sit amet enim. Suspendisse id velit vitae ligula volutpat condimentum. Aliquam erat volutpat. Sed quis velit. Nulla facilisi. Nulla libero.

<hr />

## Unordered Lists

+ Donec non tortor in arcu mollis feugiat
+ Lorem ipsum dolor sit amet, consectetuer adipiscing elit
+ Donec id eros eget quam aliquam gravida
+ Vivamus convallis urna id felis
+ Nulla porta tempus sapien

## Ordered Lists

1. Donec non tortor in arcu mollis feugiat
2. Lorem ipsum dolor sit amet, consectetuer adipiscing elit
3. Donec id eros eget quam aliquam gravida
4. Vivamus convallis urna id felis
5. Nulla porta tempus sapien

## Video Embeds

<iframe width="640" height="360" src="https://www.youtube.com/embed/8uuFIi-ghPI" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>

## Code Blocks

Blocks of code are either fenced by `lines with three back-ticks`, or are indented with four spaces.

```

body {
  color:red;
}
```

```
window.$docsify = {
  coverpage: true,

  // Custom file name
  coverpage: 'cover.md',

  // mutiple covers
  coverpage: ['/', '/zh-cn/'],

  // mutiple covers and custom file name
  coverpage: {
    '/': 'cover.md',
    '/zh-cn/': 'cover.md'
  }
};
```

## Tables

<div class="responsive-table">
  <table>
    <caption>Table with thead, tfoot, and tbody</caption>
    <thead>
      <tr>
        <th>Header content 1</th>
        <th>Header content 2</th>
      </tr>
    </thead>
    <tbody>
      <tr>
        <td>Body content 1</td>
        <td>Body content 2</td>
      </tr>
    </tbody>
    <tfoot>
      <tr>
        <td>Footer content 1</td>
        <td>Footer content 2</td>
      </tr>
    </tfoot>
  </table>
</div>

<div class="note"><strong>Note:</strong> Both of the features you used above are parts of the Document Object Model (DOM) API, which allows you to manipulate documents.</div>

<div class="important"><strong>Important:</strong> In this article, try entering the example code lines into your JavaScript console to see what happens. For more details on JavaScript consoles, see Discover browser developer tools.</div>