Sunrise Credit Services

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?

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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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?

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

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 FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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!

Credit Saint can assist you in disputing Sunrise Credit Services accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

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 or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.