How to Remove Southwest Credit Systems From Your Credit Report

Is Southwest Credit Systems hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable negative information from their credit reports.

Who is Southwest Credit Systems, LP?

Southwest Credit Systems (SWC), aka Southwest Credit, aka SWC Group, LP, is a debt collection agency located in Carrollton, Texas.

You may see Southwest Credit Systems listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Southwest Credit Systems collect for?

Southwest Credit Systems provides account receivable management and consumer service solutions in the following industries:

  • cable & telecommunications companies
  • education lenders
  • government agencies
  • highway tolls
  • property management companies
  • 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. However, they may repeatedly spam call, text, or email you.

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.)

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, Lexington Law can work with 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.

Call Lexington Law now to learn more: (800) 220-0084

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.

And they may be able to help you too.

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

It’s possible that a debt collector will resort to litigation when attempting to collect a debt, but if you work with a law firm like Lexington Law, you have nothing to worry about.

They will help you dispute the Southwest Credit Systems debt with the three major credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Southwest Credit Systems again.

Call Lexington Law to learn how they can help you.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Southwest Credit Systems to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Is Southwest Credit Systems hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.

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). Lexington Law knows that you have rights, and Southwest Credit Systems does too.

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 Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 on your credit report.
  • 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!

Lexington Law can assist you in disputing Southwest Credit Systems accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable credit repair company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.