Who is Sunrise Credit Services?
Sunrise Credit Services, Inc. (SCS) is a reputable debt collection agency based in Farmingdale, New York. Founded over four decades ago, SCS works with various clients to collect outstanding debts.
SCS might show up on your credit report as a collections account if you have an unpaid bill that has been transferred or sold to this agency for collection.
Who does Sunrise Credit Services collect for?
Sunrise Credit Services operates across a broad range of industries. This includes educational institutions, credit card companies, payday lenders, auto lenders, healthcare providers, retail stores, and telecommunications companies, among others.
Is Sunrise Credit Services legit or a scam?
Sunrise Credit Services is a legitimate company. They’ve been in business since 1975, and they are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Sunrise Credit Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Sunrise Credit Services, Inc. Contact Information
Address:
Sunrise Credit Services, Inc.
260 Airport Plaza Blvd
Farmingdale, NY 11735
Mailing address:
Sunrise Credit Services, Inc.
P.O. Box 9100
Farmingdale, NY 11735
Phone number: (800) 208-8565
Should I contact or pay Sunrise Credit Services?
It’s best to avoid speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Sunrise Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Sunrise Credit Services on behalf of their clients.
Will Sunrise Credit Services sue me or garnish my wages?
Sunrise Credit Services is entitled to file a lawsuit against you if you fail to pay a legitimate debt. If they win a judgment in court, they may have the right to garnish your wages, depending on the laws in your state.
However, it’s important to know that this is often a last resort for most collection agencies. It’s typically more beneficial and cost-effective for them to work out a payment plan with you.
Sunrise Credit Services, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Sunrise Credit Services, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Sunrise Credit Services to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Sunrise Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Sunrise Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Sunrise Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Sunrise Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Sunrise Credit Services accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
