If you're complaining, then you have probably done something wrong...I had the same reaction when I was presented with this opportunity that seamed too good to be true. Nearly 2 years later I have managed to boost my credit score by using this card and I have not had a problem with the Emblem card in any way. I RECIEVED THE SAME LETTER AND I WENT AHEAD AND DID THE PROGRAM.I WAS NERVOUS IN THE BEGININNG BECAUSE OF WHAT I READ, BUT THEN AGAIN I THOUGHT ABOUT EVERYONE TELLING BAD THINGS ABOUT THEM OF COURSE THERE NOT GOING TO TELL THE WHOLE SIDE IT COULD BE SPECIFIC REASONS WHY THIS HAS HAPPEN TO THEM MABY THEY DIDN'T FOLLOW THE GUIDELINES AND GOT FRUSTRATED OR THAT WHEN IT WAS TIME TO MAKE A PAYMENT THEY NEEDED THE MONEY FOR SOMETHING ELSE AND JEFFERSON CAPITAL TOOK THEM OFF THE PROGRAM ...SO I'M JUST SAYING LOOK AT ALL ASPECTS OF IT FIRST.I recently received a letter from Jefferson Capital Systems, LLC, informing me I was selected for the Emblem*Master Card credit card" fresh start solution program with an opportunity to satisy a debt, and to receive a new Mastercard.Thinking this was legitiment because this company had my account number, the amount of the debt, my address, etc.
THEY OFFERED ME THE SPECIAL CREDIT AND THE EMBLEM MASTER CARD THAT WAS 2 MONTHS AGO THEY DID EVERYTHING THEY SAID AND MY CREDIT WENT UP 4 POINTS AND I HAVE A CREDIT LIMIT OF 150.00 ON MY EMBLEM CARD THAT I PAY OFF AS SOON AS I CAN. NOW IF I HADEN'T OF DONE IT MY CREDIT REPORT WOULD STILL HAVE THOSE NEGATIVE BALANCES AND STILL BEEN ON MY REPORT.
If you pay your bills on-time, you should never have to speak to them.
I actually have two cards from them and have had no problems with either of them.
Then.....I proceed with my internet application, I saw directly below Jefferson Capital Systems, "Jefferson Captial Systems rip-off report! This report was posted on Ripoff Report on 09/29/2008 AM and is a permanent record located here: https:// Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Thanks to the report I did not proceed with the valuable information in which they were requesting in order to participate in the program. Ripoff Report has an exclusive license to this report.