How to Remove MSW Capital LLC From Your Credit Report

If you’ve spotted MSW Capital LLC on your credit report, chances are a past-due debt has been placed in collections. This can lower your credit score and stay on your report for years—but there are ways to remove it and reduce the damage.

Who Is MSW Capital LLC?

MSW Capital LLC is a third-party debt collection agency based in Sarasota, Florida. Their business involves recovering unpaid debts that have been turned over by the original creditors.

If MSW Capital appears on your credit file, it means they are now attempting to collect on an account tied to your name.

What Types of Debts Do They Collect?

MSW Capital works with a variety of original creditors across multiple industries. While they don’t publicly list their clients, the types of debts they may collect include:

• Credit card balances
• Personal loans
• Medical bills
• Utility accounts
• Retail and service-related debts

Whether they were assigned the account or purchased it, their goal is to collect the full amount—often through persistent calls, emails, or letters.

Is MSW Capital LLC a Legitimate Company?

Yes, MSW Capital LLC is a real and licensed debt collector. But even if they’re legitimate, it doesn’t guarantee the debt they’re reporting is correct. Collection accounts can be reported with outdated, incomplete, or even inaccurate details.

How to Remove MSW Capital LLC From Your Credit Report

Debt collections can stay on your report for up to seven years, but that doesn’t mean you have to wait that long. Here are several ways to remove MSW Capital from your credit report:

1. Check for Reporting Errors and Dispute

Start by reviewing your credit report to ensure the details are correct. If the account isn’t yours, or if the balance, dates, or payment history are wrong, file a dispute with the credit bureaus. If MSW Capital can’t verify the accuracy, the account must be removed.

2. Request Debt Validation

You have the right to ask MSW Capital to prove the debt is legitimate. Send a written debt validation request within 30 days of first contact. If they can’t provide documentation showing you owe the debt, they must stop collecting and remove the account.

3. Consider a Pay-for-Delete Agreement

In some cases, MSW Capital may agree to remove the account from your credit report if you agree to pay. This is called a pay-for-delete arrangement. It’s not guaranteed, but if they agree, be sure to get it in writing before making any payments.

4. Get Help From a Credit Repair Company

A credit repair service can manage the entire process for you. They’ll identify errors, handle disputes, and negotiate directly with the collection agency on your behalf—saving you time and potentially getting faster results.

Should You Contact or Pay MSW Capital LLC?

Don’t rush to pay just because MSW Capital contacts you. First, make sure the debt is:

• Accurate and up to date
• Within your state’s statute of limitations
• Still reportable under credit bureau guidelines

Also, be aware that making a payment on an old account may restart the timeline for both collection efforts and credit reporting.

Can MSW Capital LLC Take Legal Action?

Yes, MSW Capital can sue you if the debt is valid and within the legal time frame for collection. If they win in court, they could:

• Garnish your wages
• Freeze your bank account
• Place a lien on your property

However, lawsuits are typically used as a last resort. Most collectors prefer to negotiate a settlement rather than go through the court system.

Complaints Against MSW Capital LLC

Like many debt collectors, MSW Capital has been the subject of consumer complaints filed with agencies such as the Consumer Financial Protection Bureau and the Better Business Bureau. Most complaints involve:

• Inaccurate credit reporting
• Repeated or aggressive contact attempts
• Refusal to validate a debt upon request

If you feel your rights have been violated, you can file a formal complaint with the CFPB or your state’s attorney general.

Know Your Consumer Rights

You are protected under two key federal laws:

• The Fair Credit Reporting Act (FCRA) gives you the right to dispute errors on your credit report.
• The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, deceptive, or unfair practices.

You’re entitled to:

• Request written proof of the debt
• Dispute any incorrect or unverifiable accounts
• Be treated respectfully and without harassment
• Ask the agency to stop contacting you in writing

MSW Capital LLC Contact Information

Address:
MSW Capital LLC
1990 Main St., Suite 750
Sarasota, FL 34236

Phone:
(877) 774-7570

Need Help Removing MSW Capital From Your Credit Report?

If you’re having trouble with MSW Capital—or any other collection agency—a credit repair service can step in and handle the dispute process for you. Credit Saint has helped thousands of people remove inaccurate or outdated items from their credit reports, and they offer a 90-day money-back guarantee if they don’t get results.

Call (855) 281-1510 or visit their website to schedule a free consultation.