Southwest Credit Systems

Last checked: 6 July 2026

Southwest Credit Systems is a debt collection agency headquartered in Carrollton. It has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20030183), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Every fact below links to its public source with the date it was last checked.

$10,000

Active surety bond on file with the Texas Secretary of State since 9 October 2003 (SoS File 20030183).

Source: direct.sos.state.tx.us · Last checked: 6 July 2026

Verified facts about Southwest Credit Systems

Fact	Value	Source
Headquarters	Carrollton	Source: swcgroup.com · Last checked: 6 July 2026
Year founded	1974	Source: swcgroup.com · Last checked: 6 July 2026
Company type	Third-party agency	Source: swcgroup.com · Last checked: 6 July 2026
Debt types handled	Tolling, Government, Utilities, Telecommunications, Property Management, Education	Source: swcgroup.com · Last checked: 6 July 2026
Website	swcgroup.com
Texas surety bond	ActiveSoS File 20030183 Issued: 9 October 2003	Register: direct.sos.state.tx.us · Last checked: 6 July 2026
CFPB complaints on record	2385	Source: swcgroup.com · Last checked: 6 July 2026

Common questions about Southwest Credit Systems

Is Southwest Credit Systems licensed to collect debt in Texas?

Yes. Southwest Credit Systems has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20030183), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked 6 July 2026.

Does Southwest Credit Systems have complaints on record?

The public CFPB Consumer Complaint Database records 2385 complaints referencing Southwest Credit Systems, last checked 6 July 2026. Complaint counts are shown in context on the rankings; a complaint is a record, not a verdict.

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