UAC are total jerks. I paid my car off in on time, never late. Yet, because I had a bankruptcy that didn't include them or the car, they refused to report to the credit companies that I had good credit with them. Even when I owed them nothing and proved myself a responsible customer, they would not acknowledge my good credit with them. I have fought them and Equifax, etc., but to no avail. Once they do have your money they continue to treat you like the leper they decided you were. They take your money and DO NOTHING for you. Don't use them under any any any circumstances. These people should be the ones going bankrupt.
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