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What is Sunrise Credit Services?
Established in 1975, Sunrise Credit Services, Inc. provides debt collection services and consumer credit information for banks and other lenders. 1
Sunrise Credit Services is part of the Sunrise Family of Companies, which also includes NetTel USA, Inc., a customer service outsourcing company, and Sunrise Capital Management, a debt buyer and portfolio management company.
Sunrise Credit Services provides the following debt collection services: 1
- Early out/cure services (contacting consumers about their bills)
- Skip tracing (collecting information on consumers to make it easier to find them)
- Credit report reselling
- Attorney services
Who does Sunrise Credit Services collect for?
Sunrise Credit Services collects mortgage debt for banks and other lenders. In the past, this has included debts belonging to Bank of America, Citigroup, and HSBC. 2
Is Sunrise Credit Services a scam?
No, Sunrise Credit Services isn’t a scam. They’re a legitimate debt collections agency accredited by the Better Business Bureau in 2012.
Even though they’re a legit company, scammers may claim to represent Sunrise Credit Services when they contact you. Always make sure to verify your debts before making any payments. You can do so by contacting Sunrise Credit Services using the contact information below or by signing into their online portal.
VIDEO: Sunrise Credit Services in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop Sunrise Credit Services from calling you
Sunrise Credit Services will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.
Unfortunately, Sunrise Credit Services representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).
Don’t ignore debt collectors like Sunrise Credit Services—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.
To begin, you can get Sunrise Credit Services to stop calling you—at least temporarily—by sending them something called a debt verification letter.
Send a debt verification letter
A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that Sunrise Credit Services should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.
Benefits of sending a debt verification letter
Sending a debt verification letter has three benefits:
- You’ll prevent Sunrise Credit Services from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Sunrise Credit Services are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 3
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Sunrise Credit Services to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. It’s an easy way of figuring out if the debt collector is a scam agency.
- You may successfully disown the debt: If Sunrise Credit Services can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.
Beware the statute of limitations
The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for Sunrise Credit Services to sue you over, at which point it’s known as time-barred debt.
If this is the case, you can send Sunrise Credit Services a letter telling them to stop contacting you. Legally, they’ll have to abide by that.
The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
How to remove Sunrise Credit Services from your credit report
If your credit score is suffering as a result of Sunrise Credit Services debt, there are three ways to recover:
1. Dispute the debt with all three credit bureaus
If you think that the debt associated with Sunrise Credit Services on your credit report is illegitimate (e.g., if you paid it on time or it belongs to somebody else), dispute the item on your credit report. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.
To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing Sunrise Credit Services on your credit report.
To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.
2. Negotiate with Sunrise Credit Services
Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing Sunrise Credit Services from your credit report will be very difficult (although not impossible).
Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.
However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove Sunrise Credit Services from your credit report:
- Pay for delete: You might be able to convince Sunrise Credit Services to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
- Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Sunrise Credit Services a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness. Create your letter using our free goodwill letter template.
3. Wait 7 years for Sunrise Credit Services to fall off of your credit report
Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Sunrise Credit Services, it will remain on your credit report.
Learn more about Sunrise Credit Services’s impact on your credit score:
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections
How to deal with Sunrise Credit Services harassment
Unless you tell them not to, Sunrise Credit Services will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.
Restrictions on Sunrise Credit Services
When attempting to collect payments from you, Sunrise Credit Services must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.
Sunrise Credit Services representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against Sunrise Credit Services if they do something illegal.
Can I sue Sunrise Credit Services for harassment?
Yes, you can sue Sunrise Credit Services for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. Sunrise Credit Services will also have to pay your attorney fees and court costs.
How to file a complaint against Sunrise Credit Services
If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Sunrise Credit Services.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Sunrise Credit Services, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Sunrise Credit Services to court.
Should you pay Sunrise Credit Services?
You should only pay a collection agency like Sunrise Credit Services if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.