Despite the name Southwest Credit Systems, they have a Boston area number. They keep calling but never leave a message. Since I didn't know who they were, I never picked up, but later in the evening I called and got their name that way. Since I don't owe anyone any money, I wonder if they are scammers. Be careful of them if you do pick up. Do not give them any information. If they don't have info on you, then they are scammers.