If Jefferson Capital Systems is showing up on your credit report, it likely means a debt you once owed has been sold to this collection agency. And yes—like most collection accounts—it can hurt your credit score.
Here’s what you need to know about who they are, how they operate, and what you can do to remove them from your credit report.
Who Is Jefferson Capital Systems?
Jefferson Capital Systems, LLC is a third-party debt collection company based in Saint Cloud, Minnesota. They’ve been in business since 2002 and specialize in collecting past-due accounts on behalf of original creditors—or buying old debts and collecting for themselves.
If you see their name on your credit report, it means they either bought your debt or are collecting on behalf of another company.
Who Do They Collect For?
Jefferson Capital Systems works with a wide range of companies. This includes:
- Credit card issuers
- Banks and auto lenders
- Telecom and utility providers
- Large national and regional creditors
In short, they collect on a mix of consumer accounts, and they may have picked up your debt after it was charged off by the original lender.
How They Might Appear on Your Credit Report
They don’t always use the same name when reporting. You could see entries like:
- jeff capsys
- jeff cap systems
- jefferson capital llc
- jefferson collection
- jefferson capital systems verizon
If any variation of their name shows up, it’s worth investigating.
Are They Legit or a Scam?
Jefferson Capital Systems is a legitimate company—not a scam. They’re registered, have been operating for over two decades, and are authorized to collect debts. That said, even legitimate collection agencies can report inaccurate information.
Never assume the debt is valid just because it appears on your report. Always verify first.
How to Remove Jefferson Capital Systems From Your Credit Report
There are a few ways to potentially get a Jefferson Capital Systems account removed:
1. Dispute Errors With the Credit Bureaus
If the debt is inaccurate, outdated, or doesn’t belong to you, file a dispute with the credit bureaus. They’re required to investigate within 30 days.
2. Request Debt Validation
Send a debt validation letter directly to Jefferson Capital Systems. They’re legally obligated to prove the debt is yours. If they can’t, they must stop collection and remove the account.
3. Try a Pay-for-Delete Agreement
If the debt is valid and you’re willing to pay, ask if they’ll remove the entry in exchange for payment. Not all collectors agree to this, but some do.
4. Work With a Credit Repair Company
If handling it yourself feels overwhelming, consider working with a professional credit repair service. These companies deal with collectors like Jefferson Capital Systems every day and may improve your odds of getting the account removed.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Jefferson Capital Systems?
Don’t rush to pay them right away. Here’s why:
- Verify the debt – Ask for a debt validation letter. They must prove you owe the debt and that the amount is accurate.
- Check the statute of limitations – Paying an old debt that’s past the legal time limit could restart the clock and damage your credit even more.
- Get any agreement in writing – If you do choose to settle, don’t pay until you have written confirmation.
Can They Sue You or Garnish Your Wages?
Yes, they can—but only if they take you to court and win a judgment. If that happens, they could potentially garnish your wages depending on the laws in your state.
However, there are limits on how much of your paycheck can be taken, and certain types of income are protected.
If you’ve been threatened with a lawsuit, it’s a good idea to consult an attorney familiar with debt collection laws in your state.
Contact Information for Jefferson Capital Systems
- Mailing Address:
Jefferson Capital Systems, LLC
16 McLeland Road
St. Cloud, MN 56303 - Phone Number:
(833) 851-5552
Complaints About Jefferson Capital Systems
Like most debt collectors, they’ve received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Failure to verify debts
- Aggressive or harassing phone calls
If you’re experiencing any of these, you can file a complaint and assert your rights under federal law.
Your Rights Under Federal Law
Debt collectors must follow strict rules. Here are a few protections you have under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA):
- They can’t report false or incomplete information.
- You have the right to request written verification of the debt.
- They’re not allowed to harass, threaten, or deceive you.
- They must clearly state they’re a debt collector in all communications.
- They can’t threaten arrest or jail for unpaid debts.
If any of these rights are violated, you may have legal grounds to take action.
Need Help Removing Jefferson Capital Systems?
If getting this collection off your credit report feels like an uphill battle, you don’t have to face it alone. Credit Saint is a top-rated credit repair company with experience handling accounts from agencies like Jefferson Capital Systems.
They’ve helped thousands of people dispute inaccurate or unfair collections—and they back their work with a 90-day money-back guarantee.
Call (855) 281-1510 or visit their website to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
