Who is 8448964117 (+ how are they hurting my credit score)

844-896-4117 is a phone number reported for debt collection, but it could also be a scam. It's crucial that you follow these steps for your safety:

First, don't engage with the caller. Whether the call is legitimate or not, avoid discussing any personal or financial information over the phone.

Next, check your credit report. Get your free 3-bureau report to see if there are any entries for Sunrise Credit Services, Inc.

If the number appears as a collection or negative item, verify the debt before paying. Ensure you independently confirm the legitimacy of any debt claimed.

Lastly, address any inaccuracies you find. If there are errors, dispute them immediately. You may also want to enlist the help of professionals like The Credit Pros, who can assist in verifying debts and improving your financial situation.

To sum up, avoid engaging with the caller, check your credit report, verify the debt, and dispute inaccuracies. If you need assistance, don't hesitate to seek professional help.

If you want to stop 8448964117 from harassing you, here’s what you can do:

First, document every unwanted call. Keep a log with dates, times, and details about the conversations.

Next, register your number with the Do Not Call Registry at DoNotCall.gov. This process is quick and only takes a couple of minutes. Additionally, block the number directly on your phone or ask your service provider for assistance.

For more serious measures, consider the following:
- Restraining Order: If calls become threatening, a restraining order can provide legal protection.
- Harassment Lawyer: Hire a harassment lawyer for professional legal help, although this can be costly.
- Cease and Desist Letter: Use a template from eforms.com to send a cease and desist letter.

Utilize call-blocking apps for additional protection. For Android, you can use 'Call Blocker - Stop spam calls,' and for Apple, try 'Robokiller: Spam Call Blocker.'

Report the harassment to the FCC if it involves illegal robocalls or spoofing by filing a complaint at fcc.gov/complaints. You can also report to the FTC for any telemarketing or Do Not Call Registry violations at ReportFraud.ftc.gov or through DoNotCall.gov.

If necessary, contact the CFPB to submit a complaint online at consumerfinance.gov/complaint or by calling (855) 411-2372. You can also write to 1700 G Street, NW, Washington, DC 20552.

If you're using Nomorobo, you can report unwanted robocalls through their service. Don't forget to reach out to your phone carrier, as they often have additional blocking tools and resources.

Lastly, your local or state consumer protection office may offer additional resources to help stop the harassment.

To wrap things up, by documenting the harassment, registering with the Do Not Call Registry, using call-blocking tools, and reporting the harassment to the appropriate authorities, you can effectively stop 8448964117 from bothering you.

You should block 8448964117, especially if it's from Sunrise Credit Services, Inc., a debt collector. Ignoring the calls won't have major consequences either. If they're harassing you, blocking is generally a smart idea. Blocking or ignoring them won't harm your credit score any more than it already has if it's already a collection on your report. To handle this effectively, we advise working with a reputable credit repair company to address any inaccuracies on your credit report.

You should block the number to prevent further harassment. Ignoring calls doesn't have serious repercussions. Working with a credit repair company can help remove inaccurate negative items from your credit report.

In the end, blocking 8448964117 will reduce stress, and contacting a credit repair company can help you address any discrepancies on your credit report and move forward with a clearer plan.

Yes, a debt collector like 8448964117 can sue you, but it's usually a last resort. Typically, they sue when the owed amount is substantial, usually over $5,000. To win a lawsuit, they must prove the debt is yours, the amount is correct, and they have the right to sue.

Debt collectors prefer to settle out of court since suing costs them time and money. They often try other methods like calling and sending letters before deciding to sue. Also, they must sue within a certain period known as the statute of limitations, which varies by state. If your debt is old, it might be beyond this period.

If you receive a court summons, you must respond to avoid a default judgment, which could lead to wage garnishment. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. If you receive a lawsuit, consider speaking with an attorney to understand your options and defenses.

As a final point – while a collector like 8448964117 can sue you, it's rare and usually their last option. Always respond to court summonses, and understand your FDCPA rights to navigate such situations effectively.

If 8448964117 might have your personal information, don't provide any details when they call. It's best if you don't even pick up, as engaging with them might lead to more attempts to collect information or debt from you.

You should get your 3-bureau credit report and start building a comprehensive plan to improve your credit. This helps you identify any inaccuracies or potential fraud.

Work with a reputable credit repair company. They will assist you in handling disputes and inaccuracies on your credit report, ensuring everything is accurate and fair.

Bringing it all together - if you suspect 8448964117 might have your personal information, avoid engaging with them. Check your credit reports for errors and work with a trusted credit repair company to sort out any issues.

If 8448964117 is calling, they might be collecting a variety of unpaid debts. You might owe credit card bills, medical bills, personal loans, utility bills, or auto loans. This agency often works on behalf of the original creditors, or they might purchase the debt themselves.

They are required to notify you in writing before they call. This allows creditors to recover amounts through negotiation or settlements. If you ignore them, you might receive continuous calls that disrupt your day.

All things considered, understanding the types of debt collected by 8448964117 helps you manage unpaid bills effectively.

To check if you owe money to 8448964117, start by reviewing your records. Look for final bills, account statements, or equipment return receipts that might mention an outstanding debt. Check your credit report for entries related to this number or Sunrise Credit Services, Inc.

If you find a debt listed on your credit report, request validation from Sunrise Credit Services. Make sure they provide written proof of the debt, including the original creditor’s details and the amount. This helps confirm if the debt is legitimate.

Avoid engaging directly with the number to prevent restarting the statute of limitations on old debts. If you suspect harassment or the debt seems incorrect, consider consulting a consumer protection lawyer.

• Review your records for any mention of a debt.
• Check your credit report for related entries.
• Request validation from Sunrise Credit Services if you find anything.

Gather as much documentation as possible before reaching out to any debt collectors. This proactive approach helps manage inaccurate collection efforts and protect your credit score.

Lastly, take these steps to resolve the issue: review your records, check your credit report, request validation, and consider legal advice if necessary.

If you're dealing with calls from 8448964117, several debt collection laws protect you.

Under the Fair Debt Collection Practices Act (FDCPA), third-party debt collectors can't use abusive, deceptive, or unfair practices when collecting debts related to personal, family, or household expenses. Key protections include:
• No calls before 8 AM or after 9 PM.
• No contacting you at work if your employer disapproves.
• No abusive language or threats.
• No false claims or illegal demands.
• Must provide a written validation notice about the debt.
• Must stop communication if you request it in writing.

Regulation F, issued by the Consumer Financial Protection Bureau (CFPB), adds more rules, like limiting how often collectors can call you.

Your state might offer extra protections. For instance, New York has strict licensing requirements for debt collectors.

If you believe 8448964117 violates these laws, you can report them to the FTC, CFPB, or your state attorney general. You can also sue for FDCPA violations within one year.

Finally, understand your rights under these laws, report any violations, and take necessary legal actions to protect yourself.

No, there are no specific lawsuits currently found against Sunrise Credit Services, Inc. However, you should be aware of a few significant issues:

1. A class-action lawsuit was filed in June 2018 by a New York consumer. The claim alleges that a Sunrise Credit Services agent unlawfully discouraged the consumer from disputing a debt, violating FDCPA regulations.

2. Numerous consumer complaints have been lodged:
- BBB Complaints: 280 complaints regarding harassment and inaccurate reporting have been filed in the past three years.
- FDCPA Violations: There are multiple reports of potential FDCPA breaches, such as contacting consumers outside legal hours.

If you have any questions or need further details, you can call Sunrise Credit Services at (800) 645-9824.

In closing, while no specific lawsuits exist against Sunrise Credit Services, Inc., the class-action lawsuit and numerous consumer complaints highlight significant concerns.

People online have shared their thoughts about the phone number 8448964117. Here's what they've said:

- Reddit User 'JaneDoe123' mentioned, 'I got a call from 8448964117. They claimed I owe money, but I checked my records and I don't. Total scam!'
- Reddit User 'TechGuy58' commented, '8448964117 called me at work. I ignored it because I heard they're phantom debt collectors.'
- Reddit User 'MomOfThree' noted, 'My husband got a call from 8448964117. We looked it up and found it's linked to fraudulent activities.'

These comments suggest that many believe this number is associated with scams, particularly phantom debt collection. Users describe being harassed about debts they don't owe, implying the calls are deceptive.

If you get a call from 8448964117, you should be cautious and verify any claims independently. Blocking the number might also be a good step to avoid further harassment.

Overall, many people online think 8448964117 is a scam number, so you should be careful, verify the claims, and consider blocking it.

Yes, you should consider removing 8448964117 from your credit report if you confirm that it's listed there and identify it as 'potentially inaccurate.' Handling this on your own can be time-consuming and stressful.

Instead of disputing it yourself, think about reaching out to a reputable credit repair company. Many credit repair companies have poor reputations, so you need to be cautious. However, good companies like The Credit Pros can make a big difference and save you time and effort.

Here are some steps you can take:

• Check if this number is on your credit report and verify its accuracy.
• Avoid paying without verification and do not hire unreliable credit repair companies.
• Contact a trustworthy credit repair company to help handle disputes effectively.

We understand this process can be overwhelming, but taking these steps can help you manage your credit report more efficiently.

As a final point, confirm the number's presence on your report, avoid paying without verification, and reach out to a reputable credit repair company to handle disputes.

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8335700162
• 8166310333
• 8662285970
• 8662684346
• 8779228831
• 8448964117