Emblem is not a scam. It is a legitimate program to pay off old credit card debt, and at a certain payoff level, receive a new valid MasterCard credit card. It is a great program to help a consumer start over with new credit.

i just recieved an emblem card also...i guess ill just have to see what happens but so far so good!

Paul, there won't be any fall. I got an Emblem MasterCard too, but before I did, I had an attorney friend look over it before I agreed to it because it does sound "too good to be true." It isn't too good to be true. As long as you keep all the paperwork there is no way anyone can come back and say you haven't paid it. I also requested an "Account settled in full" statement from Jefferson Capital. I think this is such a good deal because maybe, just maybe, there is someone (corporate entity) out there who cares about the little people and want to lend a helping hand, so to speak.

hi, i have an emblem mastercard. i paid my back debt and now have their credit card. i make my payments and everything seems fine. only one thing. i moved 5 miles down the road and they said they do not offer my card in that area!!! what.. what credit card company does that.. just be careful if you have to change your address.. seems like that just wanted that money.. talked to them and had to change my address back to the inlaws so i could keep the card. best of luck to all that are rebuilding and trying to get there credit back on track..

There is no way I would fall for that program. All you have done is re-age debt that is most likely out of SOL..............Of course all of this is JMO.

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PDL Free is Me........I am crossing that finish line and I am not looking back

Paul is right about the fall!!!!!

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PDL Free is Me........I am crossing that finish line and I am not looking back

hey!!!!!i'm right about something,but seriously.the scenario above kfstaff's posts is just what i'm talking about.they look for a reason to drop you.then all those payments meant nothing as they will report negative x10 on your report.i would never accept a credit card from a CA,or anybody like that.

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giving hope to the hopeless,help to the helpless,and hap to the hapless.

i owed verizon and got a letter from emblem/jefferson , the pain in the ass is i still have the jefferson collection part on my credit report .. my emblem credit card only started out at about $200 but they have given me credit limit increases three times since , so im thinking alot of these people that call it a scam simply dont like the charges that come with the program , if you dont have good credit you're gonna have stupid charges to get any credit card .. the emblem interest rate isnt even that bad ( that i got) .. its worked out good for me

Check the details and take decision.

But as most of the community members used it so i personally feel it would not be a scam.

I have been with Emblem for 3 yrs and I do not see where people are saying its a scam. They help restore my credit and now I have a credit card and they have been very FAIR with me. If you have a problem with them I really don't know why BUT I am very happy with THEM.
Thanks!

I have two offers from jefferson capitol and they both offer me a credit card, I was wondering how a company can offer two credit card's...HUmmmm. don't know what to do.
Need to pay the debt but cant afford to be scammed.

Anyone who knows anything about credit reporting understands that most of this old debt is out of SOL and there is no way you can be sued hence the credit card offer. What you are doing here is acknowleding the debt is yours, re-aging the account on your credit report and they are getting their money from you whether you owed them the debt or not and most likely a debt they could not validate. The debt will stay on your credit report an additional 7 years because you woke it up!!!!!!

As I stated above there is no way anyone should fall for this program not that its a "SCAM" that you wont get the card or they are not a real company it benefits the CA and it will be years before you acutually benefit from it. This offer is made to debts that are out of SOL and it is their last ditch effort to suck you in.

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PDL Free is Me........I am crossing that finish line and I am not looking back

I have an Emblem Mastercard, I have had for about 2 years, they helped me pay off a debt that I had, and gave me the credit card, have not had a problem with it, it has actually boosted my credit score a great deal.

I have done this and now have my emblem master card and use it wisely. Thay are very helpful in rebuilding your credit. However, the best way to protect yourself is to get a letter saying you payed the debt in full after it is payed off. Just keep hounding the collection agency until they send you the letter.

it not a scam it work for me i got the card and they took off about 200 of the original debt i have been able to use the card and everything it a good deal believe me

your right,i'll call it indetured servitude as they have you on the debt,and can revoke the card at anytime.now the kicker,any debt incurred on the card is totally owed.no wiggle room,nothing.there are a few stories of people getting shafted on these pages.emblem is not offered by anybody else.doesn't that send up a major red flag?

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giving hope to the hopeless,help to the helpless,and hap to the hapless.