JEFFCAPSYS in credit report

Anyone know anything about these guys?

They are collection for Aspire Visa, and it's not showing as closed...But I've been paying Midland for Aspire...

Last reported date is 6/05, opened 7/04

Speaking of Midland, here is something weird...

It says it opened 6/05..last reported 1/2004...Must have a time machine...

I haven't heard of them...but you can dispute this on your credit report. Is Midland showing on your report as well as JEFFCAPSYS? I take it that they are since you know the dates of them being opened and last reported. You can tell the credit bureau that you're already paying to midland on this account and they can't have two agencies reporting on the same account at the same time. They will have to remove Jeffcapsys.
With it saying that it opened 6/05, that makes me think that maybe its been renewed??? or else they have the numbers reversed. Who knows, I have some screwy numbers on my report too. The date of last payment and the date of the last activity are never the same. I took it that my LAST payment WAS my last activity!! LOL but I guess it means the last activity from the creditors? You almost have to speak another language to figure some of this out sometimes.

JEFFCAPSYS is appearing in your credit report? Dispute it. Since you have been paying to Midland for your Aspire Visa account, there is no reason for another CA popping up here.

Well said Jessi

JEFFCAPSYS'S DATE IS BEFORE MIDLAND..
But it doesn't say transferred or anything.

You should dispute it (seems Jessi forgot to sign in, lol). One account cannot be reported by multiple creditors and collection agencies. Dispute it with bureaus. Hopefully they will remove this entry after running an investigation.

Since you are paying to Midland for this debt, you need not worry any more. Keep the records of your payment and ask them to update your credit file once it is paid in full. Keep us posted.

Where can I get a sample dispute letter. I have to send one to credit bureau. Thanks in advance.

Alex,

You can go through the e-book “debt consolidation Sample Letters For Free” here and collect one that suits your need-

http://www.debtconsolidationcare.com/books/

Or browse this list of sample letters and get one for you-

http://www.debtconsolidationcare.com/letters/

Don't forget to send your letter through certified mail with return receipt requested. Credit bureaus are supposed to respond to your letter within 30 days. Keep us posted.

P.S. Nice avatar

Yeah, I keep forgetting to sign in...lol I'm a goof.

I've been looking for contact information for Jeffcapsys, but no luck yet...If anyone runs into anything let me know..I'll let you know when I find it.

Until tomorrow though, I need to get to sleep...Rough work day today..Great day for commission, but hard day on my nerves...lol

Well, here's something to do with another collection agency. My hubby received a call regarding an old debt that was paid to the orginal creditor over two years ago. We have the bank statement and cancelled check to prove this fact. SO, this dingy CA calls yesterday morning wanting to make payment arrangments. Hubby just gives me the phone now. LOL! I said I sent a debt validation letter to them over a month ago which included the cease and desist part not to call at home or work. I get "we never received" it. I said I had the green signature card stating your company received it and not to call. All correspondence had to be handled through the mail. Then he tries to change the fdcpa laws on me. LMAO! I said the debt has been paid, not to call, I will file a complaint with the FTC for harassment and then he hung up on me. It gave me a good chuckle and I did file an online complaint against the company with the FTC this morning. It's so nice to know the laws and your rights.

What a jerk, Mishele..I bet he'll be feeling pretty salty when he finds out you really did file a complaint.

Good for you Mishele!! What a dummy.

~Mary

I just reciently refinanced my home. My new lender has sent me a check made out to Jeffcapsys for a supposed payoff from an account I had in 2001. There is no address or phone number. I don't even know that I owe them any money. Can someone help with an address or phone number. I'd like to know if I owe this money before I just hand it over.

Jessi,
I had the same problem you had. Here is what i found out Jeffcapsys AKA Jefferson Capital is midland credit management. Here is the number for jeffcapsys 1-800-281-2793 and midland credit management number is 1-800-935-4566 hope that helps

Aaron

I'm in the process of buying a house and then my loan office tell's me that I need to take care of this debt before closing.. It's $583.00. no other info on it but after reading this site I now know that its midland credit management.. I did have them on my credit report for south western bell but it was only for $201.00 which I paid.. So it's looking like I won't be buying a home after all..

no other info besides the name jeffcapsys.....

anna did you pay SWB or did you pay a collection agency? Do you have the documentation? Have you disputed the tradeline on your credit reports? How old is this?