Sunrise Credit Services Collection Removal: Your Complete Action Plan

If Sunrise Credit Services keeps calling you, that’s a red flag worth investigating. This debt recovery agency has been collecting debts since 1974, and it’s not going away quietly. The real question is: what can you actually do about it?

Why You Can’t Ignore This Collection Account

A collection account on your credit report isn’t just a number—it’s a financial anchor. Let’s be straight: it can slash your credit score significantly and stick around for seven years. That’s seven years of higher interest rates, denied credit applications, and limited financial opportunities. But here’s the thing: removal is possible, and it starts with knowing your playbook.

Understanding Sunrise Credit Services: What You’re Actually Dealing With

Sunrise Credit Services, Inc. operates as a late-stage debt collector, meaning they typically purchase debt from original creditors or work on behalf of them. Headquartered in Farmingdale, New York, with over 450 employees, the company is part of the Sunrise Family of Companies (which also includes NetTel USA and Sunrise Capital Management, Inc.).

They collect across multiple debt categories:

• Payday loans and credit card balances
• Installment and auto loans
• Student loan deficits
• Medical/healthcare debts

The company’s consumer reputation? Mixed. The Better Business Bureau rates them B+, but has logged 300+ complaints in three years. The Consumer Financial Protection Bureau (CFPB) records show over 1,000 complaints during the same period. Most common allegations: inaccurate reporting, harassment, and Fair Debt Collection Practices Act violations.

Your Legal Protection: The FDCPA Is Your Weapon

Before you do anything else, understand this: the Fair Debt Collection Practices Act exists specifically to protect you. Sunrise Credit Services cannot legally:

• Call before 8 a.m. or after 9 p.m.
• Use harassing, abusive, or profane language
• Misrepresent themselves or the debt
• Report false information to credit bureaus
• Contact your employer, family, or friends about your debt
• Keep calling after you’ve requested mail-only communication

Debt collectors bank on you not knowing these rules. The moment you invoke them, the power dynamic shifts. Document everything in writing—emails, certified letters, anything that creates a paper trail. Phone calls? They’re your word against theirs.

The Four-Step Removal Strategy

Step 1: Validate the Debt First

You have 30 days from first contact to request debt validation via certified mail. This isn’t optional—it’s your right. Send a written validation request asking Sunrise Credit Services to prove the debt is actually yours and that they’re authorized to collect it.

They must verify:

• The original debt amount and date
• Your account details
• Their authorization to collect

Many collection agencies can’t properly validate older debts. If their documentation is incomplete or inaccurate, you have grounds to dispute with Equifax, Experian, and TransUnion. Discrepancies can lead to account removal—potentially clearing the debt entirely.

Step 2: Request a Goodwill Deletion

If you genuinely owe the debt, try negotiating directly. Write to Sunrise Credit Services (customerservice@scspmts.com is your starting point for email inquiries) and request a goodwill deletion in exchange for payment. Explain your situation—job loss, unexpected hardship, whatever applies. Companies sometimes agree if you’re reasonable and have legitimate circumstances.

Step 3: Negotiate a Settlement and Removal Agreement

Debt collectors often accept partial payment if it means closing the case. Here’s how to approach it:

• Start with an offer of 50% of the balance
• Negotiate from there
• Once agreed, demand everything in writing before paying anything
• After settlement, verify the collection account is removed within 30 days
• If it’s still there, reference your written agreement and withhold further payments

Step 4: Consider Professional Help

Credit repair companies specialize in challenging inaccurate entries and negotiating with collectors. They handle all communication, removing the emotional burden. While there’s a cost, the credit score recovery often justifies it.

Direct Contact Information for Sunrise Credit Services

When reaching out to Sunrise Credit Services:

• Mailing Address: Sunrise Credit Services, Inc., P.O. Box 9004, Melville, NY 11747
• Phone: 800-208-8565 or 800-645-9824
• Email: customerservice@scspmts.com
• Website: sunrisecreditservices.com

Always use certified mail for formal requests and keep copies of everything.

The Bottom Line

Removing a Sunrise Credit Services collection account requires patience and strategy. You’re not powerless—you’re just working against a company that processes thousands of accounts annually. Know your FDCPA rights, document your communications, validate the debt, and don’t accept removal promises unless they’re in writing.

The difference between a destroyed credit score and a recovered one often comes down to whether you took action or waited it out. Choose action.