Southwest Credit Systems
Southwest Credit Systems is a Texas based collection agency that specializes in the collection of unpaid debt in the commercial, education, telecom and property management industries. Southwest Credit Systems is known to use a wide array of collection methods in their attempt to collect from the consumer. A few forms of technology employed by Southwest Credit Systems are predictive dialing, emailing and skip tracing. Further, Southwest Credit Systems is known to send threatening letters to the consumer, harass the consumer with repeated collection calls and report derogatory information to the credit bureaus.
Collection agencies are known to place derogatory information on the consumer's credit report in their attempt to collect debt and for that reason; numerous federal laws have been put in place to protect the American consumer from unscrupulous collection agencies that may abuse this practice. One of the several federal laws written with the intent of protecting the American consumer is the Fair Credit Reporting Act as it grants all American consumers the right to dispute and potentially remove the negative information placed on their credit report.
My ability to attain credit and my credit score were being damaged by the many tax and civil liens and charge offs being reported on my personal credit file. Deciding it was time to do something about it, I began repairing my credit by contacting collection agencies similar to Southwest Credit Systems in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with all of the collection agencies like Southwest Credit Systems was more time consuming and frustrating than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. I hastily learned that credit repair is not easy, despite what people may think.
I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from Equifax and shows the deletion of a collection account placed on my credit file by a company similar to Southwest Credit Systems.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Southwest Credit Systems. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.
