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[223.165.122.26]) by mx.google.com with ESMTPS id 00721157ae682-797d2ee945dsi20388217b3.170.2026.02.16.12.55.52 for (version=TLS1_2 cipher=ECDHE-ECDSA-AES128-GCM-SHA256 bits=128/128); Mon, 16 Feb 2026 12:55:53 -0800 (PST) Received-SPF: pass (google.com: domain of msprvs1=20507jgglecrv=bounces-266693-533@s.upgrade.com designates 223.165.122.26 as permitted sender) client-ip=223.165.122.26; Authentication-Results: mx.google.com; dkim=pass header.i=@s.upgrade.com header.s=scph0422 header.b=NOxG79Zc; spf=pass (google.com: domain of msprvs1=20507jgglecrv=bounces-266693-533@s.upgrade.com designates 223.165.122.26 as permitted sender) smtp.mailfrom="msprvs1=20507jgGlecRv=bounces-266693-533@s.upgrade.com"; dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=upgrade.com Return-Path: X-MSFBL: 9PKjqlSqBP+QdGcYWpNhioe/CfZw4eFaXtmmknxqCAc=|eyJtZXNzYWdlX2lkIjo iNjk4YzU3ODQ5MzY5OTQwNzJiZTAiLCJyIjoidGpwaHVoc0BnbWFpbC5jb20iLCJ zdWJhY2NvdW50X2lkIjoiNTMzIiwidGVuYW50X2lkIjoic3BjIiwiY3VzdG9tZXJ faWQiOiIyNjY2OTMifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=s.upgrade.com; s=scph0422; t=1771275351; i=@s.upgrade.com; bh=aMsc0PGfkXpn28NHloyD9IYOpkln1nBojsHZXFVlJ4o=; h=To:Message-ID:Date:Content-Type:Subject:From:From:To:Cc:Subject; b=NOxG79ZcBsn/7qnc/PCUIxB5H33sFicraojEH3r/KUvsHP3tqBMxgzDM1J3MirU6k m0C6vdOL+1ApItUrL4/tp+STZJosqC15WhlIpWvr7KrlJ/6NNbQWU4hVl+U0XlJsjv 9SljyFc1Jn9HtFLCWqZDIoquaAZjdeRBtLDNZ8bk= Received: from [10.90.14.150] ([10.90.14.150]) by i-0d964cfe33c485bf6.mta1vrest.sd.prd.sparkpost (ecelerity 5.1.0.75076 r(msys-ecelerity:tags/5.1.0.46)) with REST id 0E/BA-38747-75483996; Mon, 16 Feb 2026 20:55:51 +0000 To: tjphuhs@gmail.com Message-ID: <0E.BA.38747.75483996@i-0d964cfe33c485bf6.mta1vrest.sd.prd.sparkpost> Date: Mon, 16 Feb 2026 20:55:51 +0000 Content-Type: multipart/alternative; boundary="_----MGu+MfGP6dlXn6JvEuvbJA===_9D/BA-38747-75483996" MIME-Version: 1.0 Reply-To: email@upgrade.com Subject: Alert: Pending Default From: "Upgrade" --_----MGu+MfGP6dlXn6JvEuvbJA===_9D/BA-38747-75483996 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" Your Upgrade account now days past due.=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A= =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A Upgrade 96=0A( https://link.u= pgrade.com/f/a/OUShIFYJdee0Ye1Jma69EA~~/AAQRxRA~/8VJKIjou9PjuNMTMYC8ZEhemiy= hQFXQsBNnbDSw6Q7KJoCaK8pZvMsvssbTvntz4eFSFtZ9uSK-OjcDxMX5pwqsxIePR1OcK_wuZ9= Lp5QD8~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi=0ATimothy,=0AYour Upgrade acco= unt 320794403 is now=0A100 days past due in the amount of=0A$3,183.56 and r= equires your immediate=0Aattention in order to avoid charge-off. Charged of= f accounts are=0Areported to the credit bureaus and stay on your credit rep= ort for=0A7 years. They can have a serious negative impact on your credit= =0Ascore and your ability to obtain credit in the future. Contact=0Aus be= fore March 8, 2026 to make arrangements=0Aor schedule a payment and avoid = this irreversible status. We may=0Ahave options to get you back on track. W= e can be reached at:=0A(844) 334-3551. =0A=0A=0A=0A=0A=0A=0ASchedule A Pay= ment (=0Ahttps://link.upgrade.com/f/a/I1KVdh2NikWLdcL_LRgmRQ~~/AAQRxRA~/VST= Wtde7tmipJ6M9wXx9-dZktf7ZA-G4VFu2SqejlEZiKtFr0y5E_21wOtAG_IhDt98IqGRCm3MB3o= ZkUwI4BZsKZRauJGllVMWiXc6n7r7hQLjrhUep09dlX-zyLpVfVk2p0r1z3eFpZ5QbH1ipVYNLx= bVG7K9RWNHaH9Ymdr__bn0fRmB35gO7t3zBLdi7jdynhdMosVSttrq4zSr_YPPgof3iC_6aYCIh= xkA1Cj0~ &utm_content=3Demail_cta=0A) =0A Thanks,=0AThe Upgrade Team = If you have questions, we're=0Ahere to help. servicing@u= pgrade.com | (844) 334-3551 (=0Atel:(844)334-3551 ) Monday - Friday: 5am= - 7pm =E2=80=A2 Weekends: 6am=0A- 5pm PT =0A IMPORTANT NOT= ICE: Late=0Apayments, missed payments, or other defaults on your account wi= ll=0Abe reported to the credit bureaus.=0A=0A=0A THIS COMMUNICATION IS FROM= A=0ADEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY=0AINFORM= ATION OBTAINED WILL BE USED FOR THAT PURPOSE.=0A=0A=0A=0A=0A=0A=0A=0A P= lease do not reply=0Adirectly to this message as it was sent from an unatte= nded=0Amailbox. This email was sent to=0Atjphuhs@gmail.com ( # ) based o= n your=0Acommunication preferences. Upgrade Upgrade is located= =0Aat 275 Battery Street, 23rd Floor, San Francisco, CA, 94111 =C2=A9=0A= 2026 Upgrade, Inc. All rights=0Areserved. Privacy Policy ( https://link= .upgrade.com/f/a/ZjzrRZmSOHfGMUctUxPvBQ~~/AAQRxRA~/gua2fr1uqjlj7pdvTlh9O7X= wbzjGYzXsCcIIZCHILCxJ53ujzEajpIaVS-634cZV65vSZ5wgzgOgiRef68zkN-HyMHIu3MkmZ3= a3HNyUd-_-tLLofLzqnrlwqWxvsLUO )=0A| Terms of Use =0A( https://link.upgrade= .com/f/a/f8EmvgHxbKjqtD_wj-m7QQ~~/AAQRxRA~/VBupoZmvYybBPN-C5qY_nDKMaSUzNNQ= 2lumDA8filHFZfvh0x822arO-hxiv0_oiMo64KUBhKx2Nrvm0FoSr6zCWZO5KbuwWOT5DLe1Kcw= OO7AqOT8dl-1YFORG2a1lTi3abhm0Z6Lr9qewxa2xgfaqTJ1PNsBmMg9AvbnMd9m4~ )=0AEqua= l Housing Lender =0APL_DPD_day100 --_----MGu+MfGP6dlXn6JvEuvbJA===_9D/BA-38747-75483996 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" =0A=0A=0A=0A=0A=0A= =0A
Your Upgrade account now days past due.
=0A=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A= =0A=09=0A=0A=0A =0A=0A=0A=0A=0A=0A=0A=0AUpgrade=0A=0D=0A=0A=0A=0A=0A= =0A=0A=0A =0A =0A =0A =0A =0A=0A=0A =0A=0A=0A=0A =0A =0A =0A =0A =0A =0A = =0A =0A <= /tbody>=0A
 
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=0AHi Timothy,
Your Upgrade ac= count 320794403 is now 100 days past due in the amount of = $3,183.56 and requires your immediate attention in order to avoid charge-of= f. Charged off accounts are reported to the credit bureaus and stay on your= credit report for 7 years. They can have a serious negative impact on your= credit score and your ability to obtain credit in the future.
Contact us before March 8, 2026 to make arrangements or = schedule a payment and avoid this irreversible status. We may have options = to get you back on track. We can be reached at: (844) 334-3551.=0A
=0A=0D=0A =0D=0A =0D=0A =0D= =0A =0D=0A
= Schedule A Payment
=0D=0A
Thanks,
=0A The Upgrade Team
=0A= =0A =0A =0A =0A =0A = =0A =0A = =0A =0A
= =0A =0A =0A <= td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; = font-size: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: e= xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding= : 0px;" align=3D"center">
=0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A
If you have questions, we're here to help.=0D=0A
=0Aservicing@upgrade.com | (844) 334-3551= =0A
Monday - Friday: 5am - 7pm =E2=80=A2 Weekends: 6am -= 5pm PT
=0A
=0A =0A =0A =0A =0A =0A =0A= =0A =0A = =0A =0A =0A =0A =
=0A = =0A =0A =0A =0A =0A = =0D=0A = =0D=0A
=0D=0A=0D=0AIMPORTANT NOTICE: Late p= ayments, missed payments, or other defaults on your account will be reporte= d to the credit bureaus.=0D=0A=0D=0A

=0D=0A=0D=0ATHIS COMMUNICATION = IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INF= ORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.=0D=0A=0D=0A=0D=0A=0A =
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