Who is Sunrise Credit Services?
Sunrise Credit Services, Inc. (SCS) is a debt collection agency located in Farmingdale, New York.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Sunrise Credit Services collect for?
Sunrise Credit Services collects debt in industries such as college tuition, credit cards, retail store cards, and telecommunications.
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.
Who does Sunrise Credit Services collect for?
Sunrise Credit Services collects for financial services companies such as payday lenders, credit card companies, auto lenders, and healthcare providers.
How can I remove Sunrise Credit Services from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law Firm is a professional credit repair company that helps people fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Sunrise Credit Services again.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Sunrise Credit Services to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Sunrise Credit Services hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
Sunrise Credit Services, Inc. Complaints
Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Sunrise Credit Services, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Sunrise Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Sunrise Credit Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Sunrise Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Sunrise Credit Services From Your Credit Report Today!
Lexington Law can assist you in disputing Sunrise Credit Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
