Southwest Credit Systems

Who is Southwest Credit Systems, LP?

Southwest Credit Systems, LP, also known as Southwest Credit or SWC Group, LP, is a debt collection agency based in Carrollton, Texas. Their primary role is to recover unpaid debts on behalf of their clients.

If you see Southwest Credit Systems listed on your credit report as a collections account, it means that you have an unpaid debt that has been transferred to them for collection.

Who does Southwest Credit Systems collect for?

Southwest Credit Systems provides account receivable management and consumer service solutions for a variety of industries. This includes cable and telecommunications companies, education lenders, government agencies, highway toll operators, property management companies, and utility companies.

Is Southwest Credit Systems on my credit report?

Southwest Credit Systems may appear on your credit report as any of the following entries:

• southwest credit
• southwest credit systems comcast
• southwestern collection
• sw crdt sys
• sw credit collections
• sw credit systems
• sw credit systems l.p.
• swcredit

Is Southwest Credit Systems legit or a scam?

Southwest Credit Systems is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Southwest Credit Systems from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Southwest Credit Systems/SWC Group, LP Contact Information

Address:

Southwest Credit Systems, L.P.
4120 International Pkwy Ste 1100
Carrollton, TX 75007-1958

Phone number: (972) 300-1700

Should I contact or pay Southwest Credit Systems, LP?

Nothing good can come from speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Southwest Credit Systems, LP is to work with a credit repair professional. They help remove millions of negative items every year from companies like Southwest Credit Systems on behalf of their clients.

Will Southwest Credit Systems, LP sue me or garnish my wages?

Southwest Credit Systems, LP, like any debt collection agency, is entitled to sue you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment that allows them to garnish your wages or levy your bank account to recover the debt. However, this is typically a last resort and happens only after multiple attempts to collect the debt in other ways have failed.

Southwest Credit Systems/SWC Group, LP Complaints

Most debt collectors have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Southwest Credit Systems, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Southwest Credit Systems, LP

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for Southwest Credit Systems to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Southwest Credit Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Southwest Credit Systems must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• Southwest Credit Systems cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Southwest Credit Systems From Your Credit Report Today!

Credit Saint can assist you in disputing Southwest Credit Systems accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.