If Southwest Credit Systems has shown up on your credit report, your credit score may be at risk. Here’s how to handle the situation—and how to work toward getting the account removed.
Who Is Southwest Credit Systems?
Southwest Credit Systems, LP—also known as SWC Group, LP—is a third-party debt collection agency based in Carrollton, Texas. Their job is to recover unpaid debts on behalf of companies and service providers.
If you see Southwest Credit Systems or any of their variations listed on your credit report, it means an unpaid account has been sent to them for collection.
What Names Might Southwest Credit Systems Appear Under?
On your credit report, Southwest Credit Systems may show up under different names, including:
- southwest credit
- southwest credit systems comcast
- sw crdt sys
- sw credit collections
- sw credit systems
- sw credit systems l.p.
- swcredit
- southwestern collection
No matter how they appear, they represent the same company trying to collect a debt.
Who Does Southwest Credit Systems Collect For?
Southwest Credit Systems works with a variety of industries, including:
- Cable and telecommunications companies
- Government agencies and toll operators
- Utility providers
- Property management companies
- Education lenders
Common debts they collect include unpaid utility bills, overdue rent, student loans, telecommunications bills, and toll violations.
Is Southwest Credit Systems Legitimate?
Yes, Southwest Credit Systems is a real debt collection agency. But even legitimate collectors sometimes report incorrect information, so it’s always smart to verify any debt before sending payments or negotiating terms.
How to Remove Southwest Credit Systems From Your Credit Report
A collection account can lower your credit score and remain on your credit report for up to seven years. Fortunately, there are ways to address this:
- Dispute inaccurate information: If the account details are incorrect or don’t belong to you, you can file a dispute with the credit bureaus.
- Request debt validation: You have the right to demand proof that the debt is valid and the amount is accurate. If Southwest Credit Systems cannot provide this, they must remove the account from your credit report.
- Negotiate a pay-for-delete: Some collectors will agree to remove the account from your credit report in exchange for payment. Always get the agreement in writing.
- Work with a credit repair company: Professionals can help you dispute collections or negotiate removal, often saving you time and stress.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Southwest Credit Systems?
Before contacting Southwest Credit Systems, always confirm the debt is legitimate and accurately reported. Credit reports often contain errors, and paying a debt without verifying the details can reset the clock, potentially keeping the negative item on your credit report longer.
Many people choose to work with a credit repair service to handle disputes and negotiate with collectors directly.
Can Southwest Credit Systems Sue or Garnish Wages?
Yes, Southwest Credit Systems has the legal right to sue for unpaid debts. If they win a lawsuit, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
However, legal action is usually a last resort, as lawsuits are expensive and time-consuming for both parties. Most collectors will attempt to resolve the debt through other means first.
Complaints About Southwest Credit Systems
Like many collection agencies, Southwest Credit Systems has received consumer complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints involve:
- Incorrect reporting on credit reports
- Harassing phone calls
- Failure to verify debts
If your rights are being violated, you can file a formal complaint with the CFPB or BBB.
Your Rights When Dealing With Southwest Credit Systems
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from abusive collection practices. Your rights include:
- Southwest Credit Systems cannot report false or incomplete information on your credit report.
- You can request written proof that the debt is valid and the amount is correct.
- They cannot harass, threaten, or use offensive language.
- They must clearly identify themselves as a debt collection agency in every communication.
- They cannot threaten arrest or legal action they have no right to take.
Southwest Credit Systems Contact Information
Address:
Southwest Credit Systems, LP
4120 International Pkwy, Suite 1100
Carrollton, TX 75007
Phone: (972) 300-1700
Get Help Removing Southwest Credit Systems From Your Credit Report
Dealing with Southwest Credit Systems can be frustrating, but you have options. Credit Saint has helped thousands of people remove inaccurate or negative items from their credit reports.
With over 15 years of experience, they’ve assisted consumers in improving their credit—and they even offer a 90-day money-back guarantee for added peace of mind.
Ready to see how they can help? Visit their website or call (855) 281-1510 for a free credit consultation.

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.