Swift Funds On Your Credit Report?

April 5, 2023

Swift Funds 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 Swift Funds from your report - without paying your debt (potentially)

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Who is Swift Funds?

Swift Funds is a debt collection company with expertise in retrieving payment on past-due accounts in multiple sectors including healthcare, retail, and financial services. They procure debt by buying it from initial creditors at a discounted amount.

Who Does Swift Funds Collect for?

To recover outstanding accounts, Swift Funds specializes in collecting for multiple sectors like healthcare providers, retail stores, credit card companies and financial institutions.

Is Swift Funds A Scam?

Swift Funds is indeed a legitimate debt collection agency that follows laws governing their industry like the Fair Debt Collection Practices Act (FDCPA). While debt collectors can be challenging to work with, Swift Funds must uphold ethical standards and legal requirements to ensure fair and just communication and actions towards debtors. They face repercussions if they do not uphold these standards, so it is important to know your rights when dealing with debt collection companies such as Swift Funds.

What Are the Most Common Complaints About Swift Funds?

Swift Funds has received various complaints from consumers concerning their collection practices. The most common grievances include persistent and aggressive tactics, calling at inopportune hours, and trying to collect on debts that are not owed. A few consumers have reported receiving several calls a day - often at odd hours - as a form of harassment. Furthermore, some individuals have disputed the debt being collected and alleged that Swift Funds failed to provide evidence of the debt's validity. It's essential to recognize that debt collectors are bound by specific guidelines and regulations regarding their collection practices - and consumers have the right to dispute any debts they believe to be incorrect or deceptive.

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Why is Swift Funds Calling Me?

If you receive a call from Swift Funds, it could be because you have a past-due account with one of their clients, and they are attempting to collect the debt owed. It is crucial to respond to their calls and work with them to resolve the debt. Ignoring them can lead to more severe consequences, including legal action. Swift Funds must comply with the Fair Debt Collection Practices Act (FDCPA), which forbids harassment or threats towards debtors. If you feel unsure about how to navigate their calls or actions, consider seeking assistance from Credit Glory. Credit Glory can help you work with Swift Funds and other debt collectors legally, while also helping you improve your credit score.

How Do I Remove Swift Funds From My Credit Report?

Removing Swift Funds from your credit report requires taking careful and specific steps. These include:

  • Review your credit report

Obtaining copies of your credit report from the three major credit bureaus - Equifax, Experian, and TransUnion - and reviewing them for errors or inaccuracies related to Swift Funds.

  • Dispute errors

Disputing any errors or inaccuracies with the bureau for investigation and removal of any inaccurate information.

  • Negotiate a payment plan

If the debt is valid, negotiate a feasible payment plan with Swift Funds while reviewing the terms carefully.

  • Follow up and review your report regularly

Following up and reviewing your credit report regularly after making payments or disputing errors to ensure accurate updates.

  • Consider hiring Credit Glory

For expert assistance or if unsure about proceeding, consider hiring the services of Credit Glory to navigate the credit repair process.

By following these steps, you can successfully remove Swift Funds from your credit report and improve your credit score.

What Are the Most Common Errors on Credit Reports?

Credit reports can contain various errors, some of which include incorrect personal information like name, address, or social security number. Another error is accounts that don't belong to you or accounts that were closed but still appear as open. Duplicate accounts can also be present. Inaccurate account status or balances, such as accounts marked as delinquent despite being paid on time, can also be errors. Regularly checking your credit report and reporting any inaccuracies to the appropriate credit bureau is crucial to prevent negative impacts on your credit score.

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What Are My Rights When Dealing With Swift Funds? 

When dealing with Swift Funds, it's vital to be aware of your rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the right to dispute inaccurate information, request validation of the debt, and ask Swift Funds to stop contacting you - if Swift Funds violates any of these rights, you may have the legal right to take action against them. It's essential to comprehend your rights and protections as a consumer - particularly when dealing with debt collectors. Knowing and asserting your rights can safeguard you from unjust and abusive collection tactics.

Can Swift Funds Sue or Garnish my Wages?

If you have a delinquent account and fail to make arrangements to repay it, Swift Funds may take legal action to collect the debt. This could involve a lawsuit or garnishing your wages to recover the amount owed. Therefore, it's necessary to take prompt action and negotiate a payment plan with Swift Funds to avoid any legal action. It's also essential to know your rights as a debtor under the Fair Debt Collection Practices Act (FDCPA) to ensure that debt collectors, including Swift Funds, comply with the law. If you suspect that your rights are being violated, you can seek legal assistance or contact the Consumer Financial Protection Bureau (CFPB) to file a complaint.

What Are the Benefits of Maintaining Good Credit?

Maintaining a great credit score can significantly enhance your financial well-being - it can lead to lower interest rates on loans and credit cards, higher credit limits, and better terms on insurance premiums. Additionally, a strong credit score can improve your chances of being approved for a rental application, mortgage, or even a job that requires a credit check - it can also make it easier to obtain financing for a car or home. In summary, having an excellent credit score can help you save money, increase your financial flexibility - and improve your overall quality of life.                             

Need Help With Swift Funds?

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

Call (844) 656-0790

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Remove Swift Funds From Your Credit Report, Today!

In the event of a delinquent account with Swift Funds on your credit report, removing it is crucial. Opting for Credit Glory's professional assistance in the credit repair process can provide expert guidance to get your finances back on track. Seeking assistance from professionals can streamline the complex credit report repair process and ensure the best outcomes in achieving your financial goals.