Claim Form Login
If you received mailed notice from Universal Lenders, LLC ("UL", "Defendant"), that your Private Information was potentially compromised in the targeted cyberattack that occurred in November 2024 (the “Data Breach”), then you may be a Settlement Class Member and eligible for benefits. Excluded from the Settlement Class are: (1) UL and its officers, directors, and related companies; (2) anyone who validly excludes themselves from the Settlement; (3) governmental entities; (4) attorneys for the parties; (5) the Judge in this case, and the Judge’s family and staff; and (6) anyone who perpetrated the Data Breach.
If you are a Class Member and wish to receive Settlement Benefits then you must submit a Claim Form by April 13, 2026.
All Class Members may claim three years of Credit Monitoring services and one of two cash payment options. The benefits are explained in more detail below.
Credit Monitoring Services: All Class Members are eligible to enroll in three (3) years of single bureau Credit Monitoring Services. This benefit comes with $1 million in identity theft insurance, and includes:
If anything suspicious happens, you will be able to talk to a fraud resolution agent to help fix any problems.
Cash Payment Option 1 - Expense Reimbursement: If you incurred actual, documented out-of-pocket expenses due to the Data Breach, you can get back up to $2,500.00. This benefit covers the following examples unreimbursed out-of-pocket expenses:
costs to obtain credit reports;
fees relating to a credit freeze;
card replacement fees;
late fees;
over-limit fees;
interest and fees on payday loans taken as a result of the Data Breach;
bank or credit card fees;
postage, mileage, and other incidental expenses; and
costs associated with up to one year of credit monitoring or identity theft insurance (must have been purchased between June 3, 2024, and August 29, 2025)
You need to send proof, like receipts, to show how much you spent or lost.
You can also send notes or papers you made yourself to explain or support other proof, but those notes or papers alone are not enough to make a valid claim. Your proof or notes should show that your expenses were because of the Data Incident.
You cannot claim a payment for expenses that have already been reimbursed by a third party.
Cash Payment Option 2 - Alternative Cash Payment: Instead of Expense Reimbursement, you may claim a one-time $50.00 cash payment.
To start your online claim form, you must login with your Unique ID and PIN. You can find your ID and PIN on the postcard Notice that was sent to you.
You may also download a Claim Form here and submit it, along with any supporting documentation, by email or U.S. mail to:
The deadline to submit a Claim Form online or by email is April 13, 2026. If you are mailing your Claim Form, it must be mailed with a postmark date no later than April 13, 2026.