If Sunrise Credit Services is listed on your credit report, it could hurt your credit score and make it harder to qualify for loans or new credit. Here’s what you need to know and how to deal with this collection agency.
Who Is Sunrise Credit Services?
Sunrise Credit Services, Inc. is a debt collection agency based in Farmingdale, New York. They’ve been in business since 1975, working with other companies to collect unpaid debts from consumers.
If you see Sunrise Credit Services on your credit report, it usually means an unpaid account was sent to them for collection.
Who Does Sunrise Credit Services Collect For?
Sunrise Credit Services works with businesses across several industries, including:
- Credit card companies
- Payday lenders
- Auto lenders
- Educational institutions
- Healthcare providers
- Retailers
- Telecommunications companies
If you’ve fallen behind on payments in any of these areas, your account may have been transferred to Sunrise Credit Services.
Is Sunrise Credit Services Legitimate?
Yes, Sunrise Credit Services is a legitimate debt collection agency. They are authorized to collect debts for other businesses. But even though they’re real, always verify any debt before making payments. Credit reports can contain errors, so it’s important to confirm the details.
How to Remove Sunrise Credit Services From Your Credit Report
Collection accounts can damage your credit score for up to seven years, but there are steps you can take to try to remove them sooner:
- Dispute the Account: If the collection is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can do this on your own or with a credit repair company.
- Negotiate a Pay-for-Delete: Sometimes, you can offer to pay the debt in exchange for Sunrise Credit Services removing the account from your credit report. Always get the agreement in writing.
- Work With a Credit Repair Service: Credit repair professionals challenge collection accounts every day and know how to help clean up your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Sunrise Credit Services?
It’s a good idea to be cautious when dealing with debt collectors. Before you contact Sunrise Credit Services or make a payment:
- Verify the debt belongs to you.
- Confirm the amount is correct.
- Understand that making payments could restart the statute of limitations in some states.
Many people prefer to work with credit repair experts who know how to handle collection agencies like Sunrise Credit Services effectively.
Can Sunrise Credit Services Sue You or Garnish Wages?
Yes, Sunrise Credit Services can sue you over an unpaid debt. If they win in court, they may have the right to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
These actions depend on your state laws and typically happen only after other collection efforts have failed. Most collection agencies prefer to work out a settlement or payment plan before going to court.
Complaints About Sunrise Credit Services
Like many debt collectors, Sunrise Credit Services has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or excessive phone calls
- Failure to properly verify debts
If your rights have been violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Sunrise Credit Services
Debt collectors must follow state and federal laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you in several ways:
- Debt Validation: You have the right to request proof that a debt is yours and accurate. Send a written debt validation letter, and they must respond within 30 days.
- No Harassment: They cannot harass you, use abusive language, or threaten you.
- Clear Communication: They must identify themselves as a debt collector and notify you of your rights.
- No Arrest Threats: Debt collectors cannot threaten you with arrest over unpaid debts.
Knowing your rights gives you the power to handle collection agencies with confidence.
Sunrise Credit Services Contact Information
Address:
Sunrise Credit Services, Inc.
260 Airport Plaza Blvd
Farmingdale, NY 11735
Mailing Address:
P.O. Box 9100
Farmingdale, NY 11735
Phone Number: (800) 208-8565
Need Help Removing Sunrise Credit Services From Your Credit Report?
If Sunrise Credit Services is hurting your credit score, professional help is available. Credit Saint has over 15 years of experience helping people challenge negative marks on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Ready to take control of your credit? Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
