Southwest Credit Systems
of continuous verified Texas bond history on the Texas Secretary of State register. Southwest Credit Systems currently holds an active $10,000 surety bond.
Source: texas-sos.appianportalsgov.com · Last checked: October 5, 2026
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Public-record facts about Southwest Credit Systems
| Fact | Value | Source |
|---|---|---|
| Headquarters | Carrollton, TX | Named on: swcgroup.com · Last checked: October 3, 2026 |
| Year founded | 1974 | Stated on: swcgroup.com · Last checked: October 3, 2026 |
| Company type | Third-party agency | Classified by us from: swcgroup.com · Last checked: October 3, 2026 |
| Debt types handled | Government, Tolling, Telecommunications, Rental & Multifamily, Student & Education, Utilities | Named on: swcgroup.com · Last checked: October 3, 2026 |
| Website | swcgroup.com | |
| Careers page | swcgroup.com/careers | Linked from: swcgroup.com · Last checked: October 2, 2026 |
| Texas surety bond history | 32 years continuously bonded Active SoS File 20030183 · filed October 9, 2003 · Travelers Casualty and Surety Company of America · bond 775224837TX Canceled Close File SoS File 20000200 · filed November 3, 2000 · canceled November 11, 2003 · Travelers Casualty and Surety Company of America · bond 775224590TX Canceled Close File SoS File 970387 · filed August 7, 1997 · canceled November 28, 2000 · United Pacific Insurance Company · bond U2775224TX87 Canceled Close File SoS File 930064 · filed December 1, 1993 · canceled September 11, 1997 · The North River Insurance Company · bond 6101992008TX81 | Register: texas-sos.appianportalsgov.com · Last checked: October 5, 2026 Earlier filings: read from the Secretary of State's former search, retired September 29, 2026 |
| New York license history | 22 years continuously licensed Active 2103006-DCA · filed December 7, 2021 Active 2103007-DCA · filed December 7, 2021 Active 1153354-DCA · filed October 7, 2003 | Register: data.cityofnewyork.us · Last checked: September 28, 2026 |
| Florida registration history | 22 years continuously registered Approved CCA0900850 · filed November 20, 2003 | Register: flofr.gov · Last checked: October 5, 2026 |
| CFPB debt-collection complaints on record | 6,594 | CFPB database: consumerfinance.gov · Last checked: September 30, 2026 |
How to reach Southwest Credit Systems safely
From Southwest Credit Systems's own website, read October 6, 2026. Each detail links to the page that shows it.
- Call
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- 1-800-637-7439 As shown on Southwest Credit Systems's own website, read October 6, 2026
Be careful. Callers can fake the number they show. If you are not sure a call is real, hang up and call a number above yourself.
Common questions about Southwest Credit Systems
Is Southwest Credit Systems licensed to collect debt in Texas?
Southwest Credit Systems has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20030183), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects.
Is Southwest Credit Systems licensed to collect debt in New York City?
Yes. Southwest Credit Systems holds an active Debt Collection Agency license with the New York City Department of Consumer and Worker Protection (license 1153354-DCA), last checked September 28, 2026. New York City requires this license of any business whose principal purpose is collecting personal or household debts from NYC residents, wherever the business itself is based.
Is Southwest Credit Systems registered to collect debt in Florida?
Yes. Southwest Credit Systems holds a consumer collection agency registration with the Florida Office of Financial Regulation (CCA0900850), recorded as Approved, last checked October 5, 2026. Chapter 559, Part VI of the Florida Statutes requires this registration of a consumer collection agency, though nine categories of business are lawfully exempt from it.
Does Southwest Credit Systems have complaints on record?
The public CFPB Consumer Complaint Database records 6,594 debt-collection complaints referencing Southwest Credit Systems, as of September 30, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.
This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.
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