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Jefferson Capital Systems, Legit?

Regular Contributor

Re: Jefferson Capital Systems, Legit?


tri3nity wrote:
I know this is a month old post, but I had to put my two cents in. I had my concerns about Jefferson Capital Systems as well. I am actually pretty satisfied with them. I completed the arrangement, there is no annual fee on the card and it gets regular credit limit increases. And the sol did not reset, the old debt fell off all 3 reports completely and JCS falls off in May of 09, the same month the OC was scheduled to fall off. Hope this helps if you haven't already made a decision.
  Did they run your credit for the acceptance of this card, I was given this option for a CO for them about a year ago but found it suspect so I didnt respond but now I am considering it just to get that CO from Jefferson off my CR, they just issue you a CC and if so what is the CL?

 

12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Message 31 of 33
Contributor

Re: Jefferson Capital Systems, Legit?

The limit I have seen depends on how much you owe. I had a small balance so my starting limit was only $300. You pay the qualifying amount and then I got the card about 3 weeks after that. I have seen on some discussions people starting with as much as $1000 limits. And no, they didn't run my credit.

Starting Score: 1/2011 TU 539 EQ 481
Current Score: 2/2011 TU 542 EQ 489 EX 505
Goal Score: 620+


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Message 32 of 33
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Regular Contributor

Re: Jefferson Capital Systems, Legit?

ok well that sounds good then I was a tad bit weary of the whole situation ya know? the debt is for 357 and I called them to see if they would give me the offer for the program again so well see, cuzz I dont really want the card but I ll take it without a Hard inquiry just to get Jefferson off all 3 of my reports

Thanks again 

12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Message 33 of 33