The only thing close to "Majestic Visa" on a google search is this site with its complaints. The web site "www.majesticcard.com" given to me by the operator at 1-888-210-8987 was a dead site. If the "Majestic Visa" is legitimate and is indeed a card issued by Columbus Bank & Trust Company why can't you get a hit on the Columbus Bank & Trust Company's site for Majestic Visa.
I am somewhat recovered financially from becoming disabled and defaulting on a California Credit Card in 1994. This is the first offer of settlement of the account that would have let me pay an amount which I have no dispute over. (Alexander Hamilton Life - a credit insurance - was supposed to pay the balance due on September 20,1990.) This was the ultimate date of my disability although I didn't get an SDI check until 1995.
In any case, the old debts from the time of my disability incurance and the 4 years fighting with Social Security have apparently cleared from my credit report. I recently recieved two credit cards from Chase (A Chase Visa and a Disney Chase Visa) with a total credit line of $9,000.00 (more than I can reasonably use). The interest rate is less than 10% and they accepted transfers from my higher interest Citicard at 0%.
The point is that Jefferson Capital Systems can do nothing to mess up my present credit. I would have happily paid Jefferson Capital Systems the amount they are trying to collect if they had made a legitimate verifiable offer. If I could have verified with Columbus Bank & Trust that there was actually an approval for an account set up and the amount for which I would be obligated, I would have accepted the offer.
Since the offer did not have the account information I suspect that it was lifted from a credit report by the previous holder of the legitimate purchaser of the account. Since none of the other information is true I doubt the legitmacy of the claim of ownership of the account because of the lack of the account number.
The finale point is that 7 to 10 years is not forever. I was in a state of undeclared bankruptcy for most of that time and decided not to pay an attorney to file bankruptcy because my only income was unattachable disability benefits from Social Security and the VA.
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