Sunrise Credit Services, a reputable and legitimate debt collector with decades of experience, has recently been making a lot of calls to consumers to recover debt.
The instructions in this post will help you delete Sunrise Credit Services from your credit report if you are receiving a lot of calls from debt collectors and are annoyed by them.
What is Sunrise Credit Services?
American company Sunrise Credit Services, which specializes in debt collection, was first established in 1974.
The company is a late-stage debt collector, which allows them to recover debt from the original creditor. Its headquarters are located in Farmingdale, New York.
The debts that Sunrise Credit Services collects include:
- Payday loans
- Credit card debt
- Installment loans
- Auto loans
- Student loans
- Healthcare debt
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What to do Next?
If you want to get rid of Sunrise Debt Services off your credit report and stop getting these calls, there are a few measures you should take. To start with, you need to be informed of your legal rights.
Sometimes during debt collection, collectors can overstep their bounds and become overly aggressive.
Here are some of the rights you have under the Fair Debt Collection Practises Act (FDCPA), and you should contact your local law enforcement if any of these things happen to you:
- Nobody can harass you on the phone
- Nobody can use abusive language with you
- Misrepresenting while meeting anyone is an unethical practice
- Reporting false information to credit bureaus is unlawful
- Nobody can contact your friends and family regarding debt
- Nobody can call you before 8 AM or after 9 PM
Additionally, you can ask Sunrise Credit Services for a Goodwill Deletion. If you owe the money, you can request in writing to Credit Services that the collection be taken off your credit report in return for payment because it would lower your credit score. To increase your chances, you might also indicate the cause of the late payment.
If your request for goodwill deletion is denied because your debt is still owed, you might try to have the entry removed on a technicality. You can do this by using a debt validation request to look for erroneous or incomplete information. Nothing wrong with doing this.
If none of this works, you can always contact a credit repair company, many of which provide free case review consultations. A credit restoration company focuses on finding and deleting unfavorable information from credit reports.
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