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Online Company Helps Legal Immigrants Take a First Step to Secure a Stronger Financial Presence in US Economy through Credit-Building Laptop Payment Plans

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UpgradeUSA helps people build credit through monthly laptop payment plans.

The UpgradeUSA program can provide a first step to beneficiaries of immigration reform efforts such as the DREAM Act.

UpgradeUSA, a leading online company focused on helping people build credit through laptop payment plans, today announced its support for immigration reform efforts currently being discussed by lawmakers in Washington, DC.

“Once immigration reform opens the door for more people to qualify for citizenship, there will be a wave of people who want to participate in the US economy but will find that their opportunities are limited because they have no credit history,” said Jon Weisblatt, Founder & CEO of UpgradeUSA.

“The UpgradeUSA program can provide a first step to beneficiaries of immigration reform efforts such as the DREAM Act, because we may be able to provide them a way to start a credit history – which is a critical step to help them more fully participate in the economy of the United States.”

Having a good credit history allows people to qualify for lower rates on auto loans, mortgages, and credit cards. Building credit is often a slow process, and it can take years for people to demonstrate that they can be responsible for a reasonably-sized line of credit. UpgradeUSA provides a first step for many people in the country to demonstrate their fiscal responsibility, because the company reports every customer’s payment to all three US credit bureaus, every month.

“Certainly not everyone will qualify for our program, but if they are ready to make a positive step forward, we may be able to help them along the path,” said Weisblatt.

UpgradeUSA gives qualified consumers a chance to build a good credit history, which often follows a variety of personal financial situations that cause them to be turned down for traditional financing. The company’s innovative online-only payment program allows approved customers to receive a brand-new computer without having to wait for months like layaway, or be forced into high prices for low-quality used products typically associated with the rent-to-own industry.

Some of the many benefits of UpgradeUSA’s laptop payment plans over other programs such as layaway or rent-to-own include:

  •     Fast Shipping. Many consumers who use layaway payment programs are accustomed to waiting for months to receive their goods. With UpgradeUSAs program, once the customer’s first payment is processed, the laptop they select is shipped to them. Customers are able to start surfing the Web on a new laptop in days, not months.
  •     Credit-Building. By reporting every laptop payment to all three US credit bureaus every month, UpgradeUSA’s online laptop payment plans help people take a critical step towards building good credit. UpgradeUSA is one of the only online companies that offer this service on new, quality computers and tablets that people want or need for home, work, or school.
  •     Online convenience. With UpgradeUSA, customers manage their entire transaction online. People can now shop with privacy, convenience, and discretion; no trudging to a store every month to make a payment.

Consumers who visit will find a variety of new and factory-refurbished computers made by the world’s leading technology companies, and many models come with Windows 8, the newest operating system from Microsoft.

Everyone Can Use Better Credit
A number of good people in the United States are starting to build a positive credit history thanks to the UpgradeUSA laptop payment program. A variety of people -- including entrepreneurs, legal US immigrants, students, individuals with a bankruptcy in their history, and many others -- are taking this important step. The UpgradeUSA program is online-only to preserve customer privacy and discretion.

UpgradeUSA’s Prices and Products
UpgradeUSA’s laptop payment plans are available online only, at a variety of prices designed to fit a range of budgets. Unlike other companies, monthly prices at UpgradeUSA do not change based on a customer’s credit score. This makes for a more affordable, quality alternative to traditional rent-to-own, financing, and layaway.

How People Can Apply
To participate in the program, people should visit where they can click on the “Apply Now” button and complete a short, 2-minute application on a secure site. Email responses are sent within one business day. UpgradeUSA ships the laptop after the first customer payment. Customers can make and schedule all payments securely online via debit or credit cards.

Availability by State
UpgradeUSA’s online-only laptop payment plan services are available for qualified customers in the following states: Arizona, California, Colorado, Delaware, Florida, Illinois, Kansas, Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nevada, New Mexico, New York, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Vermont, Virginia, Washington, and Wyoming.

About UpgradeUSA
UpgradeUSA addresses the needs of millions of U.S. consumers who want access to quality products but need an affordable payment plan that will help them build credit. The online-only company currently offers new and refurbished mobile computers, with each monthly customer payment reported to all three major U.S. credit bureaus. The UpgradeUSA program is available in a growing number of states. UpgradeUSA is privately held and is headquartered in Austin, Texas.

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Jon Weisblatt, Founder & CEO
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