If you’ve discovered Sunrise Credit Services on your credit report or you’re receiving phone calls from them, you’ve likely defaulted on a debt.
Sunrise Credit Services is a legit collection company that buys old debts from utility companies (mostly cell phone companies) and banks (credit cards). They buy the debts for pennies on the dollar and try to recoup the full amount from you.
While you may owe the debt (more on this below), removing Sunrise Credit Services from your credit report is crucial as it impacts your credit score and any future lending you need.
Here are the steps to remove Sunrise Credit Services from your credit report.
Find out if the Debt is Legit
First, make sure Sunrise Credit Services has the right person and the right debt. You have the right to ask for debt validation for 30 days after the first contact with you. If Sunrise called you or sent you a letter, the clock started.
Fortunately, validating the debt is easy. Write a letter to Sunrise Credit Services asking for details about the account. Ask them about:
- The original creditor
- The original balance
- The last payment made
- The name on the account
- Any other details you can think of that they should be able to validate regarding your account
Sunrise has 30 days to respond to your request. If they can’t validate your request, they must remove it from your credit report. This doesn’t mean you don’t owe it, you may have to dig a little further, but at least you can get it off your credit report.
Dispute the Debt
If Sunrise validates the debt but reports something wrong on your credit report, you can dispute the debt. You can do this yourself by writing a dispute letter explaining why you think the account is reported in error and include proof of the errors.
If you’re not comfortable handling it yourself or you aren’t sure if there’s anything to dispute, hire a credit repair agency to do it for you. While they do the same things you do to dispute the debt, the professionals know what to look for and may find even the most minute detail they can dispute that you may have missed.
Arrange a Pay for Delete
Once you do one of the two steps (or both), you are still on the hook for the debt. Getting it off your credit report helps your credit score and chances of securing future credit even with the defaulted debt from the original creditor on your credit report.
But you still owe the money. The good news is Sunrise likely bought the debt for a fraction of what it’s worth. This gives you room for negotiation. Think about what you can afford and pitch an offer. In your offer, include the requirement that Sunrise deletes the collection account from your credit report.
It’s called a pay for delete and it means Sunrise promises to remove the tradeline from your credit report in exchange for the agreed upon settlement. You may go back and forth with negotiations for a bit, so bid low to start, so you have room to meet them halfway when they increase the offer.
Only agree to this in writing, though. Don’t pay Sunrise until you have proof that they agree to delete the debt from your credit report if you pay it. Without that proof, they don’t have to remove it from the credit report and you’ll have paid them, losing your leverage.
Wrapping it Up
Finding Sunrise Credit Services on your credit report or hearing from them isn’t a pleasant surprise, but there are ways you can remove Sunrise Credit Services from your credit report.
Take it one step at a time, starting with debt validation to make sure they have the right to report the collection on your credit report. From there, move onto the next steps even involving a credit repair company if you need help disputing the debt.
If you pay them, only pay them via check or money order – something that provides proof of payment. Never share your checking account information and keep a copy of the proof of payment. If Sunrise doesn’t delete the tradeline from your account, dispute the debt with the credit bureaus, this time with proof of payment so they remove it from your credit report.