Connect.  Resolve.  Deliver.

Fraud/ID Theft Forms and Instructions

Need to submit a fraud/ID Theft Claim? Follow the link for instructions and forms:

  • My identity was stolen.  What do I need to do?

If you believe you are a victim of identity theft and believe that this delinquent account does not belong to you – the best course of action is to engage your local police department and file a police report. Once that is established, please follow the instructions for Fraud/ID Theft form submission located here.

  • I've paid this already.

If you’ve already made payment on this balance, simply provide the payment information so that we can notify the original creditor accordingly. Please send your proof of payment (i.e., cancelled check, bank statement, credit card statement, etc.) to our office at the address below. Be sure to include the name on the account, the account number (either Southwest Credit’s or the original creditor’s), your current address, and a phone number.

Southwest Credit, PO Box 650784, Dallas, TX 75265-0784

  • How can I dispute this?

We can certainly help you with this. The best way to get this investigation started with the original creditor is to send us a written letter of dispute. Include the details surrounding your dispute, including any pertinent documentation that supports your position. Be sure to include the name on the account, the account number (either Southwest Credit or the original creditor’s), your current address, and a phone number. Then mail it to our office at the address below.

Please note: if you have a dispute that involves equipment returns: please make sure to include either a copy of the return receipt with the tracking number or the tracking number within the dispute documentation.

Southwest Credit, PO Box 650784, Dallas, TX 75265-0784

  • I canceled my service within a couple days or never used the service at all.  Why am I in collections?

This is something we can assist you with and would love the opportunity to look through the details of your service and terms and conditions. Please feel free to contact our office today at 1-844-801-3106.

  • This is included in my bankruptcy.

If this debt was included in your bankruptcy, please contact us with the case information. We will need the case number, date filed, and chapter of your bankruptcy petition. If the bankruptcy has already been discharged, a copy of the Notice of Discharge will suffice. Please call our office with the necessary information at 1-844-801-3106, or send a copy of your bankruptcy filing to the address below.

Southwest Credit, PO Box 650784, Dallas, TX 75265-0784

  • I have an attorney handling this.

Southwest Credit will be happy to deal directly with your attorney at any time. Please contact our office at 1-844-759-1986 with your attorney’s name, address and contact phone number. Once we have received this information from you, we will notate your records accordingly and direct all future communication to your legal counsel.

  • The person you’re trying to reach is deceased.

If the person we are trying to contact is deceased, please know that we apologize for the confusion and regret any inconvenience which may have been caused. Please send a copy of the death certificate to the address listed below, or contact us at 1-844-759-1986. We will pass this information along to the original creditor and have their records updated accordingly.

Southwest Credit, PO Box 650784, Dallas, TX 75265-0784

  • What if I can’t afford to pay this right now?

We understand that you may need assistance with resolving this obligation, and we’d love the chance to discuss your options with you. In many instances, Southwest Credit may be authorized by the original creditor to negotiate repayment terms. Factors such as the account balance, age of the account and original creditor involved, may be considered to identify payment options that work within your budget. Contact our office at 1-844-759-1986 and speak to one of our trained Account Specialists today to see how we can help.

  • Someone else’s debt is on my credit report.  Who do I contact?

In some cases credit reporting agencies, such as Experian, TransUnion, or Equifax, can inadvertently match the incorrect account to a consumer’s credit report. This is known as a “Mixed File.” This is not a case of fraud, but rather a mismatch issue and can easily be cleared up with the Mixed File departments within the credit reporting agencies. We have listed the toll free numbers to reach the credit reporting agencies below.

Experian: 1-888-397-3742

Equifax: 1-888-766-0008

TransUnion: 1-855-681-3196

  • Is my information safe?

Yes. Southwest Credit maintains an extensive privacy and security infrastructure.  We enforce strict controls around creditor and consumer data to ensure it is sustained in a secure environment. These data security components allow us to reduce the risk associated with the unauthorized access, disclosure, or destruction of creditor and consumer data.

  • Do you speak Spanish?

Yes. Southwest Credit does have professional collection agents fluent in Spanish.

PHONE: 972.300.1700  |  TOLL FREE: 844.759.1986





This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.