If you recently received a call from a debt collector named Southwest Credit Systems, you may already be aware of their entry on your credit report.
Even if you pay off the debt, having a collections account on your credit report can lower your score for up to seven years.
To avoid significant damage to your credit score, you must completely remove their entry from your credit report.
Your financial future can be jeopardized if you have poor credit.
Southwest Credit Systems: what it’s all about
Southwest Credit Systems, LP is a modest, genuine debt collection firm based in Carrollton, Texas. Southwest Credit Systems, LP is not a fraud.
They are well-known for their account receivable management and consumer service solutions for the following industries:
- companies that provide cable
- governmental organizations
- property management firms
- service providers of utilities
- telecommunications firms
They could show up on your credit report as SW Credit Systems, SWC Group LP, or Southwest Credit.
They are a legitimate business, but they are not well-liked by their clients.
Nearly 2,000 complaints have been filed against them with the Consumer Financial Protection Bureau (CFPB), and 350 with the Better Business Bureau (BBB.org).
These complaints allege violations of federal law such as harassment, inaccurate reporting, and failure to validate a debt.
If you are subjected to any of these conditions, you should consider filing a complaint.
How to Get Southwest Credit Systems Off Your Credit Report
It is simple but not easy to Credit Report Definition and How to Dispute It In 5 Steps remove a collection entry from your credit report.
You can clean up your credit report and permanently remove Southwest Credit Systems from your life by following the steps outlined below.
The vast majority of customers who interact with Southwest Credit Systems are unaware that they have legal rights that debt collectors may violate.
Understanding your rights in advance might help you avoid manipulation and provocation.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from harassing or abusing their consumers.
Customers may also see the information on their credit report and dispute any erroneous information.
The following are some of the prohibited activities under the FDCPA:
- Please contact me before 8 a.m. or after 9 p.m.
- Call you at work or at a time you’ve specified as inconvenient.
- Inquire with your family, friends, or work about your debt.
- Use obscene or abusive language.
- Threaten legal action that they are unable or unwilling to pursue.
- When approaching you, they misrepresent themselves.
- Misrepresent details about your debt.
If Southwest Credit Systems contacts you and commits any of these violations, inform them that they are in violation of the FDCPA and hang up.
When dealing with Southwest Credit Systems, it is critical that you understand your rights under the FDCPA.
Armed with this information, you may begin negotiating the specifics of your debt and credit entrance.
When dealing with a debt collector, the next and most important step is to obtain debt validation.
Under the FDCPA, you have the right to request this, and Southwest Credit Systems must oblige if you contact them within 30 days after the initial contact.
The debt collection method is not without flaws. During the passage from the initial credit to the debt collector, a lot of information might be lost.
To ensure that Southwest Credit Systems has all of the right information regarding your debt, you must prepare and submit a debt validation letter to them.
This is a letter in which you request that they demonstrate that they have accurate information about your debt and are eligible to collect it.
You may also use the advanced dispute technique to challenge the collection with the credit agency.
You will need to see a recent copy of your credit report for this to operate. Examine the Southwest Credit Systems entry carefully and make note of any mistakes about your debt.
This might include the account amount, account number, date established or canceled, account or payment status, and any other information that looks to be incorrect.
If you discover any incorrect information, you may submit an advanced credit dispute letter to request that the collection be deleted.
This makes it more difficult for the credit agency to validate the collection, and it may lead to the collection being removed outright.
If you are unable to get the entry erased due to a technicality, you may be able to reach an arrangement with Southwest Credit Systems to a pay-for-delete agreement.
A pay-for-delete deal is just that. You agree to pay a portion of your debt to Southwest Credit Systems in return for them not reporting the debt to major credit agencies.
This is a long shot, but it is a possibility worth considering.
You must first negotiate with Southwest Credit Systems. Inform them that you would pay half of the amount in return for the deletion of one record.
You’ll have to go back and forth with them until you reach an agreement.
Once you’ve reached an arrangement, obtain it in writing with Southwest Credit Systems. This is critical for keeping them responsible.
If they agree to the transaction over the phone but fail to confirm it in writing, they will very probably not follow through on it.
After receiving the written agreement, make your first payment and verify your credit record after 30 days.
Southwest Credit Systems should have removed the item from your credit record. If not, contact them as well as the three credit reporting agencies to remind them of your agreement.
If you prefer not to deal with Southwest Credit Systems directly, you may always hire a credit repair company to delete the entry on your behalf.
Credit repair firms assist customers in removing incorrect, incomplete, or false information from their credit reports.
This might help you boost your credit score and re-establish your financial objectives.
To guarantee that you are receiving your money’s worth, it is critical to deal with a trustworthy firm.
Contact Information for Southwest Credit Systems
Here is some contact information for this debt collector in the United States:
- Mailing Address: 4120 International Pkwy Ste 1100, Carrollton, TX 75007-1958
- Phone Number: (972) 300-1700, Toll Free: 800-462-3808, Fax: (972) 3004701
- Website: swcgroup.com
- CEO: Jeff Hurt
Managing Southwest Credit Systems
Dealing with debt collectors is hardly one’s idea of a fun hobby, but it is better to deal with them early rather than risk damaging your credit score later.
By following the actions outlined above, you may reduce the influence of Southwest Credit Systems on your credit score and blood pressure.
Improving your credit score requires excellent practices as well as patience. If you want to repair your credit, I have numerous articles that will show you how to improve your score while meeting your financial objectives.
Make 2022 the year you reclaim your financial independence.