Emblem Mastercard - Is it a scam?

i think that the fresh start program is a good way to pay off a debt and helping you rebuild your credit! i paid off my debt thru jefferson capital and now have my emblem mastercard.. they did what they said they would!

I also signed up for this program and am about to pay off my debt with them. I'm glad to hear that others have had a good experience with this. I can't qualify for a credit card right now, so my debt-to-credit ratio is terrible. All my other cards were shut down due to inability to pay (my husband was unemployed for awhile). Now that we are back working, I want to clear my debt and be debt-free. To increase my credit score, I have to have credit. But with a low score, I can't qualify for credit...what a catch-22! This card will allow me to restart a credit line and hopefully improve my score. I'm happy to see how many people have had a good experience! I'll be monitoring my credit report over the coming months to see if it improves.

I received the same offer, ulike some of the people I didnt even make all the required payments to qualify on time. I finally did make all the required one over the phone and the lady told me Id be getting my emblem info after that. Afew weeks later I noticed a new alert on my credit report where the card had been opened, recieved the card been making payments every month on time and using it and my score has increased by 50 points. So, I dont think its a scam

They did what they told me they would do i paid what was asked they they sent me a credit card which i still have

Hi,

People share different views regarding the emblem card,opinions differ as people share different views while using the card....some good and some bad!!!!!!! One has to handle the card manually to get some practical experience and then conclude!!

I have the matercard and been using it for a few years. My credit score went up and now I have 2 other cards bc of them. No its not a scam.

I can,t seem to be able to find the homepage to register my card.

I took their offer. I paid off my debt and I got a new card. It's been alright so far.

I have used the company for over 6 months, it's done exactly what it said it was going to do and more. There is no scam here.

I did it and got my card like they said and have been using it for months with out a problem

Ok Well I'm going to go for it. All of these people can't be wrong about this. I want to be debt free. I have too many student loans as it is and if this helps to clear some of my debt, wonderful.

I just received my EMblem card today, i have done my investigations and have found that most people have NOT had any problems with it. It seems very fair, will help my horrible credit, so I'm definitely going to give it a try.

I would love for someone to post the terms of this card. This should include any upfront fees, any annual fees, any service fees, credit limit range and interest rate. I looked around on the net and could not find them anywhere which makes my suspicious of the deal you might get.

I do not understand the logic of a credit card helping someone pay off debt. How can using a credit card help pay off debt? You create debt when using credit not pay off debt.

Anyway, I don't know if the card is legit but my guess is the terms are probably not that great. I think it is one of those cards that requires upfront fees of a few hundred dollars to open and then you get a $300 limit or so at a high interest rate.

If you want to improve your credit score then clean up the bad debt and watch the slow pays and late pays. If you feel you need a credit card then apply for one with no application fee, no annual fee and try to keep the interest rate low. I do not have or use credit cards anymore. A debit card works as good and you will not end up in debt.

I have had my emblem card for almost three years. I first got it because I had totally messed up my credit, Jefferson Capital offered me the opportunity of paying about 50% of what I had originally owed and starting a credit account. At first it does kinda suck your card limit is less than one hundred dollars ( if I remember correctly I believe it is $97). I have had the card almost three years and almost have the limit up to $500. Now someone else might be able to do better than I did my payment history isn't the greatest. If you are given this opportunity I would sayjump on it. It's great for people whose credit is shot.

I have did some digging and i have signed up with this program. I agree it help me pay off a debt i made on my own. So I havve a payment plan and it will help me get back on the positive side of thing! plus if i do get a credit card that will help on restoring credit. i just will use only on travel or exterme ememgency!

i got the same offer in the mail and i wanna find out if its a for sure thing, that if i pay them a certain amout within the year of my remaining balance, do they send you an emblem card or right when you get on the program they send you a card, need some info and help on this, thanks