# Account settings

The Account settings page shows your profile and lets you manage your contact details, communication preferences, payment methods, and uploaded documents. These settings apply across all your loans.

**Availability:** All clients

## Before you begin

- To reach Account settings, select **Settings** from the navigation or menu.
- Each section on the page can be independently shown or hidden by your lender. Your portal may not display all sections described below if your lender has customized the interface.


## Profile

The Profile section displays your name (or company name for business accounts) and username. These fields are read-only on this screen.

If your lender uses password-based authentication, a **Change password** option appears in this section. Select it to update your password. This option does not appear when your lender uses one-time code or SAML SSO authentication.

## Contact information

The Contact information section shows your email address, mobile phone number, home phone number, and home address. For a business borrower, the home phone and home address rows read **Company phone** and **Company address**. To update a field, select **Edit** next to it. The button reads **Add** when the field has no value.

### Email and phone verification

To change your email address or mobile phone number:

1. Select **Edit** (or **Add**) next to the field.
2. Enter the new value, then select **Verify**. Peach sends a 6-digit code to the new email address, or by text message to the new mobile phone number.
3. Enter the code in the dialog, then select **Confirm**.


Peach saves the new value only when you select **Confirm**. If the code doesn't arrive, select **Resend code** in the dialog for an email address. For a phone number, select **Text me** to get a new text, or **Call me** to get the code by voice call. Requesting a new code replaces the earlier one. A code expires after 10 minutes.

Your new email address can't match another borrower's email address at the same lender. Your new mobile phone number can't match any of another borrower's phone numbers there. You can claim a matching value by completing verification, and Peach also tries to notify the other borrower.

If you request too many codes in an hour, the portal shows the **Verification code failure** message and disables verification for up to an hour.

In the agent view of the Borrower Portal, an agent selects **Save** to change the email address or mobile phone number. Peach sends no code. An agent can't save a value that already belongs to another borrower.

**Required permissions:** `contact:create`, plus `contact:update.unconfirmed` (to change a value) or `contact:create.unconfirmed` (to add a value) for a change without a code

Agents also see **Mark as invalid** on each row that has a value. On the mobile phone row, agents see the number's disconnect status, and **Clear disconnect status** when the number is disconnected.

The following image shows the Contact information section in the borrower view.

The following image shows the mobile phone row in the agent view of the Borrower Portal.

### Home address

To update your home address, select **Edit** (or **Add**) next to it. Type your address in the single **Enter address** field, and select a suggestion if one matches.

In the Borrower Portal, the address field accepts US addresses only.

When you select **Save**, Peach validates the address and asks you to confirm it in a **Confirm address** dialog. The dialog shows the address as Peach standardized it, which can differ from what you typed. Select **Yes** to save it. Address changes do not require a verification code.

## Communication preferences

The Communication preferences section controls which optional notifications you receive.

- **Send payment reminders when my account is current** — turn this on to receive reminders while your account is current, or turn it off to stop them. When turned off, you still receive reminders if your account becomes overdue. Regulatory notifications about payment status and overdue loans cannot be disabled.
- **Email my statements** — opt in or out of receiving billing statements by email. This option appears only when statements are enabled for your loan.
- **Mail my statements** — opt in or out of receiving billing statements by physical mail. This option appears only when statements and mail delivery are enabled for your loan.


## Additional contacts

The Additional contacts section lets you add people who should be associated with your account. Each contact requires a name and a relationship type. The available relationship types depend on the account type.

For personal accounts: Spouse, Parent, Guardian, Executor, Administrator, Other Relative, or Legal Representation.

For business accounts: Owner, Executive, Employee, or Legal Representation.

When you mark a contact as an **Authorized party**, that person is authorized to make payments and changes on your account. When you add a contact with the **Legal Representation** relationship, that person or business is authorized to legally represent you in matters related to your loans.

Select **Add additional contact** to add a new contact. Your existing contacts are listed in the order they were added.

If you have no additional contacts, a message reads "You currently have no additional contacts."

## Payment methods

The Payment methods section is the same as the Manage payment methods tool on the loan detail view, embedded directly into Account settings for convenience. Here you can view, add, edit, or remove bank accounts and cards. Payment methods are shared across all your loans.

For full instructions on adding bank accounts (manual or Plaid), adding cards, microdeposit verification, editing, removing, and setting a default, see [Manage payment methods](/servicing-operations/borrower-portal/borrower-portal-payments#manage-payment-methods).

Inactive or expired instruments appear in a separate section below your active payment methods.

## Upload documents

The Upload documents section lets you securely send files to your lender's customer support team. Select a file from your device and upload it.

Accepted formats are `.jpg`, `.jpeg`, `.pdf`, or `.png`, with a maximum file size of 10 MB per document.

After uploading, documents are not accessible to you — they are reviewed internally by the support team. You cannot send documents as email attachments; the system drops attachments sent to your lender's support email address.

## Sub-pages

Agents open three additional pages from the account menu or the footer links. Each requires specific permissions and opens as a separate view.

### Borrower information

Borrower information is an agent-only screen, labeled **Agent-only Screen**. An agent opens it by selecting **Manage borrower information** from the account menu. The agent selects **Update information** to save the changes.

The page shows **Borrower status**. For a person, it also shows the name fields and **Date of birth**. For a business, it shows **Business type**, **Business name**, **Business legal name**, **Incorporated country**, and **Incorporated state** instead. When the lender requires a case ID for agent actions, the page also shows **Case ID**.

**Required permission:** `person:update`

### Identifying information

An agent opens this agent-only screen, labeled **Agent-only Screen**, by selecting **Manage identifying information**. The agent views and updates the borrower's primary identity, whose type is **SSN**, **FEIN**, **ITIN**, **Passport**, **Driver's License**, **Tax ID**, or **Custom ID**. The page shows the full identity value, not a masked one. The agent selects **Update information** to save the changes.

**Required permissions:** `person.identity:update` AND `person:read.sensitive` (both required)

### Manage consents

An agent opens this agent-only screen, labeled **Agent-only Screen**, by selecting **Manage consents**. Peach creates the same set of consent types for every borrower. The agent sets each consent to **Consented** or **Revoked**, then selects **Update consents**.

**Required permission:** `consent:update`

## Configurable sections

Your lender controls which sections appear on the Account settings page. The following sections can each be independently shown or hidden:

| Section | Configuration |
|  --- | --- |
| Profile | `accountSettingsPage.profile` |
| Contact information | `accountSettingsPage.contactInformation` |
| Communication preferences | `accountSettingsPage.commPreferences` |
| Additional contacts | `accountSettingsPage.additionalContacts` |
| Payment methods | `accountSettingsPage.paymentMethods` |
| Upload documents | `accountSettingsPage.uploadDocs` |


## Related pages

- [Borrower Portal overview](/servicing-operations/borrower-portal/borrower-portal-overview)
- [Loan details](/servicing-operations/borrower-portal/borrower-portal-loan-details)
- [Make a payment, Manage Autopay, and payment methods](/servicing-operations/borrower-portal/borrower-portal-payments)
- [Change due date, Draw funds, payoff statement, and nickname](/servicing-operations/borrower-portal/borrower-portal-loan-options)
- [Contact us](/servicing-operations/borrower-portal/borrower-portal-contact-us)