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1. #SUNRISE CREDIT SERVICES HOW TO#
2. #SUNRISE CREDIT SERVICES PDF#
3. #SUNRISE CREDIT SERVICES VERIFICATION#

If your credit score is suffering as a result of Sunrise Credit Services debt, there are three ways to recover: 1.

#SUNRISE CREDIT SERVICES HOW TO#

How to remove Sunrise Credit Services from your credit report 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. 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. If this is the case, you can send Sunrise Credit Services a letter telling them to stop contacting you. 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.

#SUNRISE CREDIT SERVICES VERIFICATION#

The verification materials that you receive may show that your debt has passed the statute of limitations. 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.It’s an easy way of figuring out if the debt collector is a scam agency. Forcing Sunrise Credit Services to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. You’ll get more information about the debt: You should never pay a debt that you don’t recognize.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.Sending a debt verification letter has three benefits:

#SUNRISE CREDIT SERVICES PDF#

PDF Word Benefits of sending a debt verification letter If you send this within 30 days, they're legally obligated to respond with evidence of the debt and can't contact you until they do. Use this debt verification letter template if Sunrise Credit Services has contacted you about a debt and you want to dispute it. 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. You must send it within 30 days of them first contacting you. Send a debt verification letterĪ debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. To begin, you can get Sunrise Credit Services to stop calling you-at least temporarily-by sending them something called a debt verification letter. 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. 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).ĭon’t ignore debt collectors like Sunrise Credit Services-in the end, you may get sued, and you may even have your wages garnished. The reason debt collectors like these are calling you is simple-they want to pressure you into paying up. Sunrise Credit Services will call, email, or mail you if they believe you have an unsettled debt. How to stop Sunrise Credit Services from calling you You can do so by contacting Sunrise Credit Services using the contact information below or by signing into their online portal. Always make sure to verify your debts before making any payments. They’re a legitimate debt collections agency accredited by the Better Business Bureau in 2012.Įven though they’re a legit company, scammers may claim to represent Sunrise Credit Services when they contact you. No, Sunrise Credit Services isn’t a scam.

In the past, this has included debts belonging to Bank of America, Citigroup, and HSBC. Sunrise Credit Services collects mortgage debt for banks and other lenders. Who does Sunrise Credit Services collect for?