Southwest Credit Systems on Your Credit Report? Fight Back and Win

Dealing with debt collectors is a daunting task, especially if you’ve never been contacted by one before. In many cases, debt collectors will overwhelm their targets with unfavorable methods of communication. This can cause great stress and anxiety.

Knowing when to take action is key. If Southwest Credit Systems appeared on your credit report, you may be on the receiving end of false debt accusations.

You are among thousands of people whose credit reports are affected by these agencies. Continue reading to equip yourself for facing Southwest Credit Systems and working towards removing them from your credit report.

What is Southwest Credit Systems and What Do They Do?

Founded in 1974, Southwest Credit Systems is a debt-collecting agency based in Carrollton, Texas. They have received several consumer complaints based on false reports and for sharing personal information with third parties.

Southwest Credit Systems buys debt from various creditors or lending companies. These businesses no longer want the responsibility of these accounts, and instead, leave it to third-party collectors like Southwest Credit Systems. This process is commonly known as a “charge-off.”

Is Southwest Credit Systems a Legitimate Company?

Yes, Southwest Credit Systems is a legitimate company. You may feel tempted to treat these calls as spam since they can be unnecessarily aggressive and overbearing. Regardless, these calls should be taken seriously and addressed with caution. 

Southwest Credit Systems operates under multiple business names including Southwest Credit, SWC Group, and SWC Solutions. While this is a legitimate agency, facing them comes with many hassles. Any missteps when handling debt collection agencies could quickly cause your credit score to take a significant hit.

Recipient and Consumer Complaints

Southwest Credit Systems receives many complaints surrounding inaccurate billing and collections. On top of this, there are numerous concerns with their customer service. 

Incidents have been reported where the agency contacts consumers at inappropriate hours of the day. Additionally, the agency has also contacted its recipients with incorrect debt information. If you find yourself on the receiving end of their communications, take steps to verify the debt and proceed with a well-thought-out plan.

Company Contact Information

In most cases, we advise against contacting a Southwest Credit Systems representative directly. It's often helpful to have professional help and representation when dealing with Southwest Credit Systems or another debt collection company.

With that in mind, having accurate contact information for them is helpful. Here is some general contact information for Southwest Credit Systems:

• Address & Location: 4120 International Parkway, Suite 1100 Carrollton, Texas 75007
• Phone Number: 844-759-1986
• Website: https://www.swcconsumer.com/

What Does Southwest Credit Systems Collect For?

Southwest Credit Systems has not publicly shared a list of their clients. However, they likely provide services for several industries. This may include cable, telecommunications, highway tolls, property management, education lenders, and utility companies. Since their collection services span various business sectors, it’s important to verify the debt as valid and actually yours before making any payments to them. 

Common Collection Errors To Watch Out For

When debt collection agencies call you with false information for debts you may not owe, this is a serious issue and should be treated as such. FCRA laws protect you from any errors or misprints within your credit report. If an agency wrongfully contacts you, address it immediately. Consider these common errors if Southwest Credit Systems contacts you:

• Identity errors due to incorrect contact information or accounts created due to identity theft.
• Accounts that appear multiple times under your credit report. 
• Incorrect account status if closed accounts are reported as open.
• Accounts that are falsely reported as late regardless of whether you paid on time

Am I Being Harassed?

Debt collection agencies are required to follow a set of expectations when contacting individuals. More often than not, their communication leads to several violations of consumer rights that are protected by law. 

If you receive threats, multiple calls a day, requests for personal information, or other inappropriate communication from Southwest Credit Systems, you can report them for this behavior.

How Southwest Credit Systems Can Affect Your Credit

Having an account from Southwest Credit Systems on your credit report will unfortunately impact your credit score. As a result, your ability to rent property and secure loans will inevitably be affected. 

Consider the following exceptions before stressing about your credit:

• The account could be 7 years old and still showing up on your report.
• The debt has already been paid by you but is still showing up. 
• The debt was acquired due to identity theft.
• The debt collector is contacting the wrong individual and someone else is responsible for paying the debt.

Effectively Remove Southwest Credit Systems From Your Credit Report

Taking the right preventive measures will help you remove Southwest Credit Systems from your report for good. With the right support and resources, you can reach a resolution. 

Review your Credit Report

Request a copy of your credit report from all major credit bureaus. Thoroughly examine your report and watch for errors, inconsistencies, or misprints. Ensure the information is accurate and if you notice an error seek help in getting this removed from your report. 

Send in a Cease and Desist

You may send a Cease and Desist letter to Southwest Credit Systems with the help of a legal team. It is within your right to request that the agency immediately cease any form of communication with you, even while you explore the nature of the debt and its validity.

Hire a Trustworthy Team

Debt collection agencies must be handled with caution. A trustworthy legal team plays an essential role in helping you navigate this process. If you don’t want to take on Southwest Credit Systems alone, or are still unsure of how to start the process, hiring an attorney can be very helpful for your case and sanity. 

Let an FCRA Attorney Serve Your Case

Fair Credit’s attorneys want to provide you with the support you need to face Southwest Credit Systems. We understand how frightening it is to deal with debt collection agencies like them. Our job is to protect your rights and ensure your credit remains unscathed. 

Our team here at FCRA is prepared to carefully examine your case and determine the best course of action for you. Contact our attorneys today for a free case review.