Southwest Credit Systems

Last checked: August 12, 2026

Southwest Credit Systems is a debt collection agency headquartered in Carrollton, TX. It has held a Texas surety bond continuously for 32 years, and currently has an active $10,000 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. It has been licensed to collect in New York City continuously for 22 years, and currently holds an active Debt Collection Agency license with the NYC Department of Consumer and Worker Protection (1153354-DCA). It has been registered as a consumer collection agency in Florida continuously for 22 years, and currently holds an active registration with the Florida Office of Financial Regulation (CCA0900850), meeting the Chapter 559, Part VI requirement for consumer collection agencies. Every fact below links to its public source with the date it was last checked.

32 years

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: direct.sos.state.tx.us · Last checked: July 7, 2026

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Verified facts about Southwest Credit Systems

Fact	Value	Source
Headquarters	Carrollton, TX	Source: swcgroup.com · Last checked: August 12, 2026
Year founded	1974	Source: swcgroup.com · Last checked: August 12, 2026
Company type	Third-party agency	Source: swcgroup.com · Last checked: August 12, 2026
Debt types handled	Government, Tolling, Telecommunications, Rental & Multifamily, Student & Education, Utilities	Source: swcgroup.com · Last checked: August 12, 2026
Website	swcgroup.com
Texas surety bond history	32 years continuously bonded ActiveSoS File 20030183· filed October 9, 2003· Travelers Casualty and Surety Company of America· bond 775224837TX Canceled Close FileSoS File 20000200· filed November 3, 2000· canceled November 11, 2003· Travelers Casualty and Surety Company of America· bond 775224590TX Canceled Close FileSoS File 970387· filed August 7, 1997· canceled November 28, 2000· United Pacific Insurance Company· bond U2775224TX87 Canceled Close FileSoS File 930064· filed December 1, 1993· canceled September 11, 1997· The North River Insurance Company· bond 6101992008TX81	Register: direct.sos.state.tx.us · Last checked: July 7, 2026
New York license history	22 years continuously licensed Active2103006-DCA· filed December 7, 2021 Active2103007-DCA· filed December 7, 2021 Active1153354-DCA· filed October 7, 2003	Register: data.cityofnewyork.us · Last checked: August 5, 2026
Florida registration history	22 years continuously registered ApprovedCCA0900850· filed November 20, 2003	Register: flofr.gov · Last checked: August 19, 2026
CFPB complaints on record	6,482	CFPB database: consumerfinance.gov · Last checked: August 12, 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 July 7, 2026.

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 August 5, 2026. New York City requires this license of any agency collecting from NYC residents, wherever the agency 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 August 19, 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 6,482 debt-collection complaints referencing Southwest Credit Systems, as of August 12, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. 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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