Who is Swiftfunds Financial Services?
Swiftfunds Financial Services is a debt collection agency that operates out of Palos Verdes Peninsula, California. They are in the business of recovering past-due debts.
If Swiftfunds Financial Services shows up on your credit report as a collections account, it typically signifies you have an outstanding bill that you didn’t settle, leading to the involvement of a collection agency.
Who does Swiftfunds Financial Services collect for?
Swiftfunds Financial Services is in the business of collecting unpaid debts on behalf of original creditors. Their portfolio of original creditors can span across various sectors, including healthcare, retail, utilities, or credit card companies.
Is Swiftfunds Financial Services legit or a scam?
Swiftfunds Financial Services is a legitimate company. However, their methods of contact may seem excessive and can be misconstrued as spam. They may persistently attempt to reach you via calls, texts, or emails.
How can I remove Swiftfunds Financial Services 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.)
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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.
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Swiftfunds Financial Services Contact Information
Swiftfunds Financial Services
PO Box 2397
Palos Verdes Peninsula, CA 90274-8397
Phone number: (888) 479-4384
Should I contact or pay Swiftfunds Financial Services?
It’s best to avoid speaking to a 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 Swiftfunds Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Swiftfunds Financial Services on behalf of their clients.
Will Swiftfunds Financial Services sue me or garnish my wages?
Swiftfunds Financial Services has the legal right to sue for unpaid debts. If they win a lawsuit against you and obtain a court judgment, they might be able to garnish your wages or take other measures to collect the debt. The exact methods they can use depend on the laws of your specific state, and these can include levying your bank account or placing a lien on your property.
However, not all debt collection agencies choose to sue or garnish wages for every debt. Factors like the size of the debt, the potential cost of litigation, and the likelihood of successfully collecting the debt can influence the decision to take legal action.
Swiftfunds Financial Services Complaints
Most collection agencies 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 a debt collector is harassing you, you may want to 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 Swiftfunds Financial Services
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 Swiftfunds Financial Services 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.
- Swiftfunds Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Swiftfunds Financial Services 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.
- Swiftfunds Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Swiftfunds Financial Services From Your Credit Report Today!
Credit Saint can assist you in disputing Swiftfunds Financial Services collection 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.
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