Sunrise Credit Services on your credit report

Who Sunrise Credit Services is

Sunrise Credit Services handles first-party and third-party accounts receivable management and is part of the Sunrise Family of Companies, along with NetTel USA and Sunrise Capital Management.

How its accounts show on your credit report

Sunrise collects for clients, so the client should appear as the creditor. In the window shown, 258 of its CFPB complaints were about incorrect information on a credit report.

Complaints to the CFPB

The Consumer Financial Protection Bureau's public complaint database lists 2,677 complaints naming Sunrise Credit Services received from October 1, 2025 to September 30, 2026. The most common issues: attempts to collect debt not owed; took or threatened to take negative or legal action; written notification about debt. The CFPB publishes complaints without verifying every claim in them. See the complaints.

How to ask Sunrise Credit Services to validate a debt

Sunrise lists P.O. Box 9004, Melville, NY 11747-9004, collection inquiries at 800-645-9824 and [email protected]. Its site gives no separate dispute address, so use the one on its validation notice.

Ask within 30 days of the first notice and the collector has to pause collecting until it sends verification. The letter builder writes a validation request for free.

What to do if this name is on your report

1. Pull all three reports. Get them free at AnnualCreditReport.com and find the account, its balance and its date of first delinquency.
2. Check the dates and the amount. A collection can report for 7 years from the original delinquency, not from when the collector bought it. A newer date can mean re-aging.
3. Ask for validation if you don't recognize it. Send the request in writing and keep a copy.
4. Dispute what is wrong. Dispute with each bureau that shows an inaccurate item, and with the collector directly.
5. Decide on payment with the facts in hand. Read should you pay a collection before you agree to anything.

Guides that go deeper

• Debt validation: your right to make a collector prove the debtFederal law gives you 30 days after a collector's validation notice to dispute in writing and force it to pause. How the clock works and what to send.
• What debt collectors can and can't do under the FDCPA and Reg FFederal limits on debt collectors: the 7-in-7 call rule, 8 a.m. to 9 p.m. hours, work and social media limits, email opt-outs, and cease letters.
• Should you pay a collection account? How to decidePaying a collection doesn't remove it, and the score effect depends on the model. How to decide, what to verify first, and how to pay safely.