Southwest Credit Systems On Your Credit Report?

March 10, 2023

Southwest Credit Systems is a debt collection company

You may not have to pay your debt (paying it may hurt your score)

Call now to find out if you can remove Southwest Credit Systems from your report - without paying your debt (potentially)

Call (844) 656-0790

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If you have been contacted by Southwest Credit Systems, it's essential to familiarize yourself with the company and understand their role as a debt collection agency and their collection tactics. Knowing more about the company and their methods can empower you to make knowledgeable choices about how to handle their debt collection efforts and to get them removed from your credit report.

Who is Southwest Credit Systems?

Since 1974, Southwest Credit Systems has been based in Carrollton, Texas and has extended their operations to Georgia and Louisiana. They specialize in recovering unpaid debts from clients on behalf of companies or institutions who have hired them to do so. 

Who Does Southwest Credit Systems Collect for?

Southwest Credit Systems specializes in debt collection for a broad range of businesses and institutions. Their portfolio includes:

  • Healthcare providers
  • Credit card companies
  • Auto lenders
  • Student loan providers
  • Telecommunications companies

When hired by a client, Southwest Credit Systems generally purchases the debt for a discounted rate from the original creditor. This enables them to earn a profit by collecting the full payment owed, as well as any additional fees or interest.

Is Southwest Credit Systems A Scam?

Southwest Credit Systems is not a scam–they are a legitimate debt collection agency, following the same laws and regulations as other debt collection companies. These guidelines place strict rules on how collectors communicate with consumers to ensure that their rights are not violated.

Despite any negative experiences people may have with debt collection agencies such as Southwest Credit Systems, this does not necessarily mean that these companies are engaging in any fraudulent activity. Debt collection is a sensitive and complicated process, and federal and state laws exist to guarantee that collectors abide by all guidelines and regulations when interacting with customers.

Need Help With Southwest Credit Systems?

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How Do I Get Southwest Credit Systems Removed From My Credit Report?

To remove Southwest Credit Systems from your credit report, you must first verify the validity of the debt. You can do this by requesting validation of the debt directly from Southwest Credit Systems. Under federal and state law, they are obligated to provide proof that the debt is legitimate and that they are within their rights to collect it.

After you have confirmed the debt, you can proceed to take the following steps in order to remove Southwest Credit Systems from your credit report:

  • Negotiate a settlement 
  • Pay the debt in full
  • Dispute the debt
  • Hire a credit repair company if you need help negotiating payments or disputing inaccurate information

You can contact Southwest Credit Systems and attempt to negotiate a settlement for a lower amount than the full debt owed. Make sure to have any agreements you have reached put in writing and keep a copy of it for your records.

If the debt is legitimate and you are able to pay it in full, that is the quickest way to resolve your issue. Be sure to acquire a receipt or confirmation of payment from Southwest Credit Systems.

If you believe the debt is not valid or that there are errors on your credit report, you can dispute it with the credit bureaus. Credit Glory specializes in disputing errors reported on credit reports, so do not hesitate to contact us if you believe there is an erroneous entry present. The credit bureaus will investigate the matter and remove any inaccurate information from your credit report.

It is important to take swift action to resolve the debt in a timely manner. Delinquent accounts can stay on your credit report for up to seven years and can lead to a decrease in your credit score if not addressed promptly.

Why Is Southwest Credit Systems Calling Me?

Southwest Credit Systems may call to collect a debt you owe. Debt collection agencies have the right to contact consumers regarding the debt, including via home phone, work phone and mobile phone. These calls can either be made by a debt collector or by an automated system. 

The Fair Debt Collection Practices Act (FDCPA) outlines the regulations collectors must abide by while attempting to collect - they are not allowed to harass, oppress or abuse consumers, nor can they make calls outside of specific hours without identifying themselves and stating the purpose of their call.

If you do not wish to receive calls from Southwest Credit Systems, you can request that they stop contacting you - although this does not make the debt disappear and does not prevent them from taking legal action for collection purposes.

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What Are the Most Common Errors On Credit Reports?

Credit reports are immensely important, but unfortunately, they can contain errors that can have a great impact on your credit score. Some of the most common mistakes seen on credit reports include:

  • Inaccurate personal information
  • Accounts that do not belong to you
  • Accounts that have been paid off already
  • Incorrect payment history, such as missed or late payments that were actually made on time
  • Duplicate accounts, where the same debt is listed more than once on your credit report
  • Identity theft

Debt collection agencies such as Southwest Credit Systems sometimes report incorrect or outdated information, resulting in errors on your credit report. These mistakes can lower your credit score and make it harder to obtain future credit. To safeguard your financial well-being, it is important to review your credit report regularly– that way you can be sure your report is up-to-date and accurate.

What Are the Most Common Complaints About Southwest Credit Systems?

Southwest Credit Systems has been the target of many consumer grievances. Some of the most frequent grievances include:

  • Harassment and frequent phone calls
  • Debt validation issues
  • Credit reporting errors
  • Lack of communication

As reported by the Better Business Bureau, most complaints are linked to billing and collection dilemmas. On the Consumer Financial Protection Bureau's database, most grievances pertain to communication strategies and maltreatment.

It’s necessary to remember that while Southwest Credit Systems has been the subject of complaints, they are an authorized debt collection company and abide by federal and state regulations. Consumers who feel mistreated by Southwest Credit Systems should file their grievances with the Better Business Bureau and Consumer Financial Protection Bureau to guarantee that appropriate retribution is obtained for any unlawful acts.

Can Southwest Credit Systems Sue or Garnish My Wages?

Southwest Credit Systems may pursue a lawsuit against you if your debt remains unpaid. If they successfully obtain a judgment, they could garnish your wages or seize funds from your bank account. Debt collectors must abide by rigid guidelines when attempting to collect a debt, and any threats of legal action or wage garnishment are only permissible when allowed by law.

If you owe money to Southwest Credit Systems, there are measures you can take to prevent legal action. Consider getting in touch with our team at Credit Glory– we can steer you in the appropriate direction for your situation.

Need Help With Southwest Credit Systems?

Speak with one of our friendly Credit Specialists to find out how we can help you.

Call (844) 656-0790

Tap to call

Remove Southwest Credit Systems From Your Credit Report, Today!

If you are having difficulties getting Southwest Credit Systems off your credit report, reach out to Credit Glory. Our expertise will help you improve your credit score and financial wellbeing.

Credit Glory offers tailored solutions to help you remove any negative items from your credit report, including those from Southwest Credit Systems. We can also assist you in identifying and disputing errors on your credit report so you can get them removed.

Take control of your finances and enjoy the benefits of an improved credit score with help from Credit Glory. Get in touch with us today for assistance removing Southwest Credit Systems from your credit report.