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BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Member

BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

We had to pay off Jefferson Capital before we would be able to buy/close our house.  I sent Jefferson Capital a letter via certified mail on Oct, 1st as well as faxed it, demanding they remove the trade line from all credit bureaus due to the FTC lawsuit.  Today, we received our hardcopy letter from them.  The letter is dated Oct, 8th stating they are notifying all credit bureaus to delete the trade line!  I absolutely love it especially after my husband called them at first to try and take care of it and the woman he spoke to was very rude, loud and demanding that he pay her over the phone with a check!  We would have never paid her over the phone with our own personal check anyways but we were trying to be nice and take care of it but now they don't get a penny of our money!!!!!  I wonder if she would be so demanding, loud and rude now??  lol  I'm so glad to be done with them!  We are closing on our house Monday!!  Smiley Happy

Message 1 of 26
25 REPLIES
Senior Contributor

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Congratulations on the house!  Smiley Happy

 

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 2 of 26
Member

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Thank you!!!  Smiley Happy  So excited!

Message 3 of 26
Moderator Emeritus

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Hmm,, I feel a happy dance coming on!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 26
Member

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Haha! I'm not sure if I'm happier about us actually getting a house or that I actually beat these rude, bullying people!!  It's probably a tie!  Smiley Happy

Message 5 of 26
Contributor

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

I had one lady demand I pay over there phone right then too, she said she'd will call back in an hour and I need to be ready to pay and that this was very serious. Hahaha I just lauhged at her, this lady was a real piece of work. 

Message 6 of 26
Valued Contributor

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Congrats on the delete and the house!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 26
Established Contributor

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

Congrats

Message 8 of 26
Senior Contributor

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

amalone430 - great!  That company made contact about a non existant debt from twenty plus years ago.  I shredded their letter.  

Message 9 of 26
Established Contributor

Re: BYE BYE JEFFERSON CAPITAL!! WE BEAT THEM!!!!

How did you determine that you were under that ruling?

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 10 of 26