If Swiftfunds Financial Services is showing up on your credit report, it could be damaging your credit score. Here’s how to handle them and the steps you can take to get their account removed.
Who Is Swiftfunds Financial Services?
Swiftfunds Financial Services is a debt collection agency based in Palos Verdes Peninsula, California. They work with businesses to recover unpaid debts.
If their name appears on your credit report, it usually means an account in your name has been sent to collections. This can hurt your credit score and remain on your report for up to seven years if not addressed.
Who Does Swiftfunds Financial Services Collect For?
Swiftfunds Financial Services works with original creditors from various industries, including:
- Healthcare providers
- Retail businesses
- Utility companies
- Credit card companies
Their job is to collect unpaid balances that businesses have not been able to recover directly.
Is Swiftfunds Financial Services Legitimate?
Yes, Swiftfunds Financial Services is a real debt collection agency. But that doesn’t mean every account they report is accurate. Credit reporting mistakes happen, so always verify the debt before making a payment.
You have the legal right to request proof that the debt belongs to you and that the amount is correct.
How to Remove Swiftfunds Financial Services From Your Credit Report
Collections can hurt your credit for years, but you have options to remove them:
- Dispute Inaccurate Information: If the account is incorrect or incomplete, file a dispute with the credit bureaus to have it removed.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account if you pay the debt. Always get the agreement in writing first.
- Work With a Credit Repair Company: Credit repair experts can challenge negative accounts and help clean up your credit report.
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 Swiftfunds Financial Services?
Before reaching out, confirm the debt is valid and still within your state’s statute of limitations. Making a payment can sometimes restart the reporting period, keeping the account on your credit report longer.
Many people work with credit repair professionals who understand how to handle agencies like Swiftfunds Financial Services and protect their credit.
Can Swiftfunds Financial Services Sue You or Garnish Your Wages?
They can sue for unpaid debts. If they win in court, they may garnish your wages, levy your bank account, or place a lien on your property, depending on your state’s laws.
That said, lawsuits are costly and often considered a last resort. Most debt collectors prefer to work out a payment plan or settlement before taking legal action.
Complaints About Swiftfunds Financial Services
Like many collection agencies, Swiftfunds Financial Services has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate reporting
- Harassment or repeated calls
- Refusal to verify debts when requested
If your rights are being violated or you’re experiencing harassment, you can file a complaint with these agencies.
Your Rights When Dealing With Swiftfunds Financial Services
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. These laws help ensure your rights are protected.
Here’s what those protections include:
- They cannot report false or incomplete information about you
- You can request debt validation within 30 days. They must prove the debt belongs to you and the amount is accurate
- Harassment, threats, repeated calls, or abusive language are illegal
- They must clearly state who they are and that they are collecting a debt
- They cannot threaten arrest or jail for unpaid debts
Swiftfunds Financial Services Contact Information
- Mailing Address: PO Box 2397, Palos Verdes Peninsula, CA 90274
- Phone Number: (888) 479-4384
Remove Swiftfunds Financial Services From Your Credit Report Today
Collections can stay on your credit report for years, but you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate negative items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 to get started.
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.
