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Jefferson Capital said they will delete, but have an important question-

Frequent Contributor

Jefferson Capital said they will delete, but have an important question-

Hi! So 2 years ago, the CA Jefferson Capital reported on my CR that I owed them $700 from a Tribute card from 2008. 

 

Last year, I wrote them two DV letters and never got a response.


So I took the next step and filed a complaint with BBB. They responded and said they will close the collection efforts and delete their TL from my credit reports. They said they also never recieved a DV, but they're going to close and delete anyway.


My question is this: Even if they close the collection, can they still sell it to another CA and then that CA can start the process all over again with me?

 

Also, I checked my CRs... the status has been changed to "closed" but the TL is still there... does that longer to delete? Thanks in advance for the response. 

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Moderator Emeritus

Re: Jefferson Capital said they will delete, but have an important question-

It may take awhile for it to delete.  And yes, if it's a valid debt and unpaid.  It could wind up with another CA.

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EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Message 2 of 4
Frequent Contributor

Re: Jefferson Capital said they will delete, but have an important question-

Thank you so much for the response!

If that does happen, then I'll just ask them to validate. Because I honestly have no acknowledge of this debt or credit card.

 

I'm definitely someone who thinks you should pay back what you lawfully owe (if you are in a position to do so). Over the last month, I've paid off four different agencies who I didn't even have to ask for validation, because I knew of the debt and what it was for. But for this one, I honestly have no recollection.

I guess just hope for the best, haha. 

Message 3 of 4
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Valued Contributor

Re: Jefferson Capital said they will delete, but have an important question-

Update the BBB complaint for the fact they made changes to but did not delete?

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
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