Emblem Mastercard i received an envelope with an emblem credit card customer agreement but no card. i sent them am e mail with the last 4 of my s.s.# now i heard its a scam and they have my address and the last 4 of my social!! Internet

I wish to offer a rebuttal to the previous comment regarding credit limit increases with this program.

I also have participated in this program, made all payments earlier than requested, never went over the limit and was told flat out by customer service that credit limit increases were not now, nor would they ever, be available for this program.....not sure if it's the same one or if Jefferson aka Emblem has a different one.

Despite this, however, the program did as requested and I have no complaints.

Jefferson Capital is a wholly-owned subsidary of Compucredit. Compucredit is currently being sued by the FTC for several FDIC violations as well as the Fair Debt Collection Practices Act(FDCPA).

Just put the following into your favorite search engine "compucredit lawsuit ftc.gov" the first link should get you to the FTC web site that shows the suit.

By the way if Compucredit sounds familar they are the same company that owns Aspire VISA. Gee any RipOff reports on them?

Jefferson Capital is a wholly-owned subsidary of Compucredit. Compucredit is currently being sued by the FTC for several FDIC violations as well as the Fair Debt Collection Practices Act(FDCPA).

Just put the following into your favorite search engine "compucredit lawsuit ftc.gov" the first link should get you to the FTC web site that shows the suit.

By the way if Compucredit sounds familar they are the same company that owns Aspire VISA. Gee any RipOff reports on them?

Jefferson Capital is a wholly-owned subsidary of Compucredit. Compucredit is currently being sued by the FTC for several FDIC violations as well as the Fair Debt Collection Practices Act(FDCPA).

Just put the following into your favorite search engine "compucredit lawsuit ftc.gov" the first link should get you to the FTC web site that shows the suit.

By the way if Compucredit sounds familar they are the same company that owns Aspire VISA. Gee any RipOff reports on them?

Jefferson Capital is a wholly-owned subsidary of Compucredit. Compucredit is currently being sued by the FTC for several FDIC violations as well as the Fair Debt Collection Practices Act(FDCPA).

Just put the following into your favorite search engine "compucredit lawsuit ftc.gov" the first link should get you to the FTC web site that shows the suit.

By the way if Compucredit sounds familar they are the same company that owns Aspire VISA. Gee any RipOff reports on them?

www.budhibbs.com - A consumer advocate website speciliazing in debt collections and the illegal scams they use to get you to pay. This credit card is one of the scams.

JEFFERSON AND EMBLEM VISA ARE LISTED HERE WITH THE WARNING NOT TO ACCEPT THE CREDIT CARD OFFER!!!!!
http://www.budhibbs.com/debtcollectorpages/jefferson_capital.htm

Once you make the first payment - you restart the clock on that debt - making it legally collectible again.

Junk Debt buyers pay pennies on the dollar for these and then try to collect the full amount from you. Its a gamble for them to do this. When they cannot collect - they resell it to another collection agency.

For those of you who feel it helped
IT DID NOT - YOU WERE SCAMMED BY AN ILLEGAL DEBT COLLECTION

I am a consumer that received an offer in the mail for a new credit card for the unpaid balance on an older credit card. I was skeptical at first as well. I did however pay the minimum required. They then wrote off a partial amount of the balance due and placed the rest of the balance on a credit card with no monthly fees as long as I paid a miminum of $20 per month. As I pay the balance off I get to use the unused credit balance on my card. There has been 0 percent interest on the original unpaid balance and a low interest rate on the rest. I have just paid my 4th monthly payment and they increased my credit line. They will increase your credit line 600 per year as long as you do not go over your credit line and you do not miss a payment. They have been nothing but wonderful to me. YOU DO NOT RECEIVE THE CARD UNTIL YOU PAY APPROXIMATELY 1/4 OF THE BALANCE. THEY DO OFFER LOW MONTHLY PAYMENTS TO DO THIS.

I experienced financial problems after donating a kidney due to missed income and the accumulation of medical bills for complications a year later. Many of my bills became pass due. Since Ohio doesn't have a statue of limitations, the pass due bills remain in collections. I received an offer from Jefferson Capital for the fresh start program for a pass due account. I signed up after researching the company. After paying the $104.00 towards the balance of the debt owed, they reduced the amount owed by over $300.00 and I received the credit card just like they promised. I've never had any interest charges on the remaining balance just like they promised. I checked my credit report and they have reported the payments and the balance on the pass due account as paid in full. The credit limit on the credit card is equal to the debt owed to them and since I paid on the credit card I now have available credit. I haven't charged anything since I pay cash for everything but it has helped in restoring my credit and I have a credit card available in emergency situations. I'm not an employee of the company and never have been. They did not rip me off they actually have helped me.

I did respond to Emblem. if you view their site. Jefferson is a recovery company for bad credit debt. I agreed and paid my debt through them. they sent me a card. I have paid it before the 30 days every month I have had it, and never got a credit increase as of yet. Though the credit limit is low. I have used it. I have viewed my credit report though and it doesn't show where they paid off my bad debt they said they were going to pay off.

I looked at their site, I don't see anything wrong with these people yet, though I haven't been late or allowed my card payment to be late either. They are a collection agency

I was actually contacted by the same company by letter and phone. I went aheas with the plan because I knew the account they had was a deliquent account of mine. I sent the money and have recieved my mastercard which I am now paying on. This is a great solution fo rsome one who has made a few mistake and want to rebuild their credit.

The EMBLEM FRESH START SOLUTION PROGRAM and Jefferson Capital Systems, LLC have put together a fantastic program. This program has worked flawlessly for me and I have to give credit when credit is due - It is an ingenious program that has helped me satisfy a 11 year old debt and reestablish my personal credit.

Jefferson Capital Systems, LLC sent me a wonderful welcome letter that totally explained the process in great detail. They explained "How the Program Works" - "Your Next Step: Make Your First Payment" - "Four Easy Ways to Make Payments" - And even gave me several payment options to satisfy my debt. Timely monthly statements were mailed out until my debt was paid in full.

The Bottom Line: I read the welcome letter, followed the letter's instructions carefully and the program performed flawlessly. My Program Balance was $697.07 - My Payments to Qualify was $251.00 - My Months to Qualify were 12 months and my Payoff Amount was $488.07. As soon as I paid the first $251.00 (payments to qualify within 12 months) Monterey County Bank, the issuer of the Emblem MasterCard credit card, was immediately notified to issue my credit card and I was awarded the Special Credit of $209.07 as promised. Montery County Bank opened up an account for me and transfered the Remaining Balance of $237.07 and mailed me out my new Emblem MasterCard credit card. There were no accrued interest charged on my remaining balance of $237.07 and I received my credit card in the mail within the 4-6 weeks as promised.

As a consumer, I would personally recommend this program to anyone. It is absolutely fantastic. I can't say enough positive words to convey how pleased I am with my personal experience. Obviously, the person and/or persons that posted derrogatory information about the Emblem Fresh Start Solution Program DID NOT do their homework and follow the simple instructions in their welcome letter. The Bottom Line: "A person has to monetarily satisfy their debt before they would ever qualify to receive their Emblem MasterCard." Just because you respond to the program does NOT qualify you to receive the credit card. YOU MUST SATISFY YOUR FINANCIAL OBLIGATION TO THE DEBTOR.

Anyone with half a brain knows that there are Federal and State Banking Regulations and Consumer Protection Agencies in place to protect the consumer and that if this was a scam the Feds would have closed this operation and their affilliates down a long time ago.

Emblem Fresh Start Solution Program, Jefferson Capital Systems, LLC and Montery County Bank my congratulations to you for putting together such a fantastic program. It could not have been more ingenious! Thank You!

Richard - Margate, FL