If Transworld Systems shows up on your credit report, it’s likely tied to an unpaid debt that’s now in collections. This kind of entry can drop your credit score fast—but it doesn’t have to stay there. Here’s what you need to know and how to get it removed.
What Is Transworld Systems?
Transworld Systems, Inc. (TSI) is one of the largest debt collection agencies in the U.S. They’ve been around for over 50 years and have offices nationwide. If you see any of the following names on your credit report, they may be tied to Transworld Systems:
- transworld inc
- transworld sys inc
- tsi co
- tsi/33
- tsi/51
- tsi/55
- tsi/940
- tsi/980
These variations all point to the same company—TSI.
Who Does Transworld Systems Collect For?
Transworld Systems collects debts on behalf of:
- Colleges and universities
- Banks and lenders
- Medical providers and hospitals
- State and federal government agencies
- Small and mid-sized businesses
Once they’re hired, TSI takes over communication and collection efforts on the original creditor’s behalf.
Is Transworld Systems Legit?
Yes, Transworld Systems is a real company—not a scam. They’ve recovered billions of dollars over the years and operate on a massive scale. But even though they’re legitimate, that doesn’t mean they always get it right. Mistakes happen, and you have every right to dispute any debt you don’t recognize or believe is inaccurate.
How to Remove Transworld Systems From Your Credit Report
A collections account can hurt your credit score for up to seven years, so it’s important to take action. Here are your options:
- Dispute any errors: If the debt amount, dates, or account details look wrong, file a dispute with the credit bureaus.
- Request debt validation: Under federal law, you can ask Transworld Systems to prove the debt is yours. If they can’t, they must remove it.
- Negotiate a pay-for-delete: Offer to settle the account in exchange for them removing it from your credit report. Always get the agreement in writing.
- Hire a credit repair service: Professionals can help you navigate the process, especially if you’re dealing with multiple accounts or complex disputes.
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 Transworld Systems?
Before you pay anything, make sure the debt is valid and still legally collectible. If it’s beyond your state’s statute of limitations, a payment could restart the clock—and make the debt collectible again.
That said, if the debt is recent and accurate, settling it may be the best move—especially if you can negotiate a deletion as part of the deal.
What Happens If You Ignore Them?
Transworld Systems does have the ability to sue over unpaid debts. If they win a judgment in court, they may be able to garnish your wages or place a lien on your property—depending on your state laws.
But lawsuits are costly, so they’re usually a last resort. You’ll likely receive multiple letters or calls before any legal action happens.
Where to Send a Debt Validation Letter
The Fair Debt Collection Practices Act (FDCPA) gives you the right to ask for proof that a debt is valid. This is called a debt validation letter, and it forces Transworld Systems to verify:
- The debt is yours
- The balance is accurate
- They have the right to collect it
If they can’t provide documentation—or don’t respond within 30 days—they must stop collection efforts and remove the account from your credit report.
Send your letter within 30 days of their first contact to preserve these rights.
Complaints About Transworld Systems
Transworld Systems has faced hundreds of consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and Better Business Bureau (BBB). Most complaints are about:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to verify debts
Despite these complaints, TSI holds an A+ rating with the BBB.
Know Your Rights When Dealing With Transworld Systems
Under the FDCPA and the Fair Credit Reporting Act (FCRA), you’re protected from unfair treatment. Transworld Systems must follow these rules:
- They cannot report false or incomplete info to the credit bureaus.
- You can request written validation of the debt.
- They can’t harass you, swear, or call you nonstop.
- They must be clear that they are a debt collection agency.
- They can’t threaten arrest or jail over unpaid debt.
Understanding your rights puts you in control.
Transworld Systems Contact Information
Corporate Office:
Transworld Systems, Inc.
500 Virginia Dr., Ste 514
Ft Washington, PA 19034-2707
Mailing Address:
Transworld Systems, Inc.
PO Box 15630
Wilmington, DE 19850
Phone Numbers:
(877) 865-7686
(877) 282-1250
Need Help Removing Transworld Systems From Your Credit Report?
If you’re tired of dealing with collection accounts like Transworld Systems, you’re not alone. Credit Saint can help you dispute inaccuracies, validate debts, and remove damaging entries from your credit report.
They’ve been doing this for over 15 years—and They even offer a 90-day money-back guarantee for added peace of mind.
Call (855) 281-1510 or visit their website to get started today.

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.