Jefferson Capital Systems

Jefferson Capital Systems: How to Remove it from Your Credit Report

You have come across the name Jefferson Capital Systems on your credit card report. Or someone called you and mentioned the name Jefferson Capital Systems.

Did you forget a credit card or medical bill that put you on their list? Now, it’s damaging your credit score unless you resolve it. A collection account on a credit report will negatively impact seven years in the US.

Fortunately, you can remove Jefferson capital systems on your credit report with a few strategies and professional resources.

But first, let understand the Jefferson Capital Systems.

What Is Jefferson Capital Systems LLC?

Jefferson Capital Systems is a 3rd party debt collection agency based in Minnesota founded in 2002. Jefferson Capital Systems focuses on various debt types from a variety of businesses in the US. They also purchase bankruptcy.

Is Jefferson Capital a legitimate company?

Jefferson Capital Systems has received many customer complaints claiming violation of the Fair Debt Collection Practices Act. 

However, those who have experienced their services have made several complaints. 

What are common complaints against Jefferson Capital Systems?

Jefferson capital systems reviews include Jefferson…

  • Making false allegations or representation in the pursuit of debt collection.
  • Attempting to collect a debt not owed
  • Sharing information improperly
  • Threatening to contact a third party 
  • Using improper communication tactics.

That said, Jefferson Capital Systems is not a scam. Instead, they’re an authorized debt collection agency.

Jefferson purchases packages of debt from businesses and banks then tries to collect the debt from consumers.

However, if Jefferson has contacted you, it’s critical that you learn your rights and how best to protect yourself before you respond.

How Does Jefferson Capital Systems Work?

Who does Jefferson Capital Systems collect for?

When companies or financial service providers cannot collect unpaid bills, they often sell the rights to the debt to a third-party collection agency like Jefferson Capital at low rates.

Once Jefferson owns the debt, they will call, message,, or send letters to you until you agree to make a payment.

They also place the debt on your credit report, where it can stay for as long as seven years.

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How do I get Jefferson’s Capitals off my Credit Report?

There are different ways to manage Jefferson Capital Systems.

Follow the steps below to get Jefferson’s Capitals off your credit report quickly and start to see improvements in your credit score.

Whether the debt doesn’t exist or you forgot to pay a bill, here are some surefire ways to salvage the situation.

1. Write Jefferson Capital Systems LLC a Debt Validation Letter

Whenever a collection account is first placed on your credit report, you have 30 days to dispute the claim.

The Fair Debt Collection Practices Act (FDCPA) allows you to submit a debt validation letter to Jefferson Capital Systems. 

Jefferson must provide adequate documentation to prove you owe the debt they are trying to collect. Otherwise, the law requires them to remove the collection account from your credit report.

It does not matter if you genuinely owe Jefferson or not; the agency has to validate the debt. Usually, they dont have the proof as they purchased it from another company.

Since the law allows you 30 days, it’s critical to write to Jefferson Capital systems as soon as the agency contacts you or a collection account appears on your credit report.

2. Negotiate a Partial Payment on Your Account

If you dont send a Debt Validation Letter within the first 30 days, consider making a payment to satisfy Jefferson’s requirements.

Agencies such as Jefferson are usually willing to accept payments below the amount you owe.

For example, you may be able to pay a bill with $75 instead of $150. You can negotiate with Jefferson Capital Systems through a letter to ensure you document the agreement.

As soon as you negotiate the amount and make the payment, you should see the collection account removed from your credit report.

If the collection account is still your credit report after 30 days of payment, write to Jefferson to ensure they uphold the agreement.

3. Seek Help from a Credit Repair Company

While you can remove a collection account from your credit report, it’s also not always easy.

This is the time you leave to the professionals to handle it for you. You can skip the negotiating and leave your debt dispute to someone with more experience and time.

Here are some of the top 10 credit repair companies that can help you.

  1. Credit Saint
  2. Lexington Law
  3. Sky Blue
  5. Ovation Credit Repair
  6. The Credit People
  7. Pyramid Credit Repair
  9. The Credit Pros
  10. Pinnacle Credit Repair

Lexington Law and Credit Saint are staffed with deftly trained professionals who can walk the extra mile for you.

They can help you dispute the debt and repair your credit score quickly, lifting the stress of directly dealing with Jefferson Capital Systems.

With these steps, you can start resolving your credit issues today.

How do I pay my Jefferson Capital system?

Pay online through their website or create a payment plan at your convenience. Then allow up to three business days for your payment to process.

If you have a question about your account or wish to make a payment, call them at Jefferson Capital Systems Number – 1-833-851-5552.

Jefferson Capital Systems Contact Information

Do you need more contact information about Jefferson Capital Systems?

  • Phone Number: 1-833-851-5552
  • Mailing Address: 16 McLeland Road, St. Cloud, MN 56303

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