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Frequently Asked Questions

Click on the questions to reveal the answers.

When you agree to resolve your account for less than the full balance, all payments must be received according to the agreed upon terms. If any payment is not received according to the schedule, or any payment is returned by your bank as unpaid, the agreement is null and void and a new agreement must be reached.

At Jefferson Capital, we understand that the Covid-19 Pandemic has created a tremendous amount of uncertainty for everyone. As it relates to our day to day business operations, that includes the uncertainty faced by our clients, our vendors, our associates, and above all our account holders. Virtually nobody is untouched by the stress and challenge of maintaining their health and financial well-being during these extremely difficult times. It is certainly not business as usual.

In responding to these challenges, we’ve found internally that open and frank communications are usually the best way to identify challenges and implement solutions to the myriad of issues being faced daily. The first step is for our team members to reach out and communicate. The second, and perhaps even more important step, is for all of us to listen. We’ve found that solutions quickly follow.

Listening and identifying solutions is what we do. So now more than ever we would encourage all of our partners to reach out to us – both businesses and consumers. And as it particularly relates to our account holders, they are not alone. We are here to help. We encourage them to reach out to us and let us know how they have been affected. Our goal is to listen and work together to find solutions that work during these uncertain times.

We also want to pass along several resources that were released today by the Consumer Financial Protection Bureau. As the CFPB indicates, responsible financial companies are supporting their customers, and “consumers facing hardships should be aware of this posture and discuss their specific circumstances.” Please contact us and let us know your situation. We are in this together and we are here to help. 

Jefferson Capital Systems, LLC is an established Debt Buyer and Debt Collector. CL Holdings, LLC is the parent company of Jefferson Capital Systems, LLC.

We listen, provide solutions that deliver, and we do the right thing for every situation. Jefferson Capital is an analytically driven purchaser and servicer of consumer charged-off and bankruptcy accounts. We were founded in 2002 based on the bedrock principles of listening, identifying solutions, and “doing the right thing.” It's why last year alone, we were able to help hundreds of thousands of our account holders find workable solutions to resolve their accounts and move forward with their lives. A significant reason for our success, and one of the reasons we are one of the largest debt buyer in the United States, is due to The Jefferson Difference: Our Proprietary Solutions, Data Science Expertise, and Best in Class Compliance Program.

We provide updated information, including payments and balance updates, to the credit bureaus weekly.

  • Please allow sufficient time for any updated information to be reflected on your credit report.
  • If you are using a credit monitoring service, you should contact them to understand how frequently they provide updates to you.

We are required to stop reporting on an account and to delete our tradeline within seven years of the delinquency date.

We also stop reporting and will request that the credit bureaus delete our tradeline on any account that is paid in full or paid in full for less than the full balance. Our request to delete the tradeline will occur approximately 30 days after your final payment is posted.

If you see our tradeline on your credit report, it is because we have acquired your account.

The credit bureaus require us to report the date we acquire the account as the “Open Date”. Please know, however, that this “Open Date” does not affect how long our tradeline may appear on your credit report. Please see “When does JCap stop reporting to the credit bureaus” for additional information concerning how long our tradeline might appear on your credit report.

Some creditors may choose to report an account as “sold/transferred” even though we have acquired it and also started reporting on it.

Your original creditor may have sold your account. Jefferson Capital Systems, LLC acquires debt from original creditors or may service existing debt.

Our policy is that we will request the credit bureaus delete our tradeline approximately 30 days after the final payment has been posted that resolves the account as paid in full or paid in full for less than the full balance.

Because each credit bureau determines your credit score, we do not know how a payment might impact your credit score.

Phone: 800-685-1111

Phone: 888-397-3742

Phone: 800-916-8800

Jefferson Capital Systems, LLC utilizes third party collection agencies and other vendors to service some of the accounts we own.

You will need to let Jefferson Capital Systems, LLC know that you are granting power of attorney or authorization to another individudual or entity to handle your account activities. Please send documentation with your actual signature, showing that you have granted authority for someone else to act on your behalf.

Send to:
Jefferson Capital Systems, LLC
200 14th Avenue E
Sartell MN 56377

Please mail documentation to Jefferson Capital Systems, LLC and provide the case number and court in which your claim was filed, date filed and chapter.

Mailing address:
Jefferson Capital Systems, LLC
200 14th Avenue E
Sartell MN 56377

If you know that your personal information has been misused, you should report the Identify Theft to the FTC and to local law enforcement right away. The faster you act the less chance the ID thief has to do more damage to your credit. Please complete the Identity Theft Report located on the FTC website, and mail a copy to Jefferson Capital Systems, LLC.

Mailing address:
Jefferson Capital Systems, LLC
200 14th Avenue E
Sartell MN 56377  

Creating a website login and password will make it easier to view your account and use the website in the future.

A website login will reference only one JCS Reference Number. If you have multiple JCS Reference Numbers with Jefferson Capital Systems, LLC, you can create a new Web Login for each JCS Reference Number. You must use a unique email address with each website login. If you do not have multiple email addresses, additional accounts can be accessed by using the JCS Reference number and either your social security number or your date of birth on the My Account page.

a.    Jefferson Capital Systems, LLC sends outgoing emails using and to provide consumers with information about their account.

b.    Please do not reply to these emails as the mailboxes are not monitored for incoming activity.

c.    To review your account information or make payments online, please select MY ACCOUNT or MAKE PAYMENT above.

d.    If you’re unable to access your account on our website, please call us for further assistance.

Know My Debt was created by the members of ACA International, the Association of Credit and Collection Professionals, as a valuable resource for consumer education on financial literacy.