Swiftfunds Financial Services


Is Swiftfunds Financial Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Swiftfunds Financial Services Contact Information

Mailing address:

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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Swiftfunds Financial Services

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Swiftfunds Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Swiftfunds Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Swiftfunds Financial Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Swiftfunds Financial Services From Your Credit Report Today!

Credit Saint can help you dispute Swiftfunds Financial Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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