Home / Who is 8662285970 (+ how are they hurting my credit score)

Who is 8662285970 (+ how are they hurting my credit score)

  • Phone number 8662285970 is likely a debt collector called:' Sunrise Credit Services, Inc.'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
List of company featuring our services

Main phone number related with this page is: 8335700162

Calls from 8662285970 can be annoying and concerning because this number is linked to Sunrise Credit Services, Inc., a debt collection agency. It might also be a scam or spam call. Sharing your personal information with such callers can be risky. If they're legit, they probably purchased your debt and are trying to collect it. Blocking or ignoring their calls gives you temporary peace but doesn't solve the problem.

Address the debt directly if Sunrise Credit Services, Inc. is calling you. Start by validating your debt through your 3-bureau credit report. Blocking the number stops the harassment temporarily but doesn't fix the issue. The best move is reaching out to The Credit Pros at 866-228-5970. We'll discuss your credit report and verify if these calls are legitimate and if there are other negative items affecting your score.

We've helped countless individuals remove potentially inaccurate negative items from their credit reports. This likely boosted their scores and improved their financial health. Removing such items can free you from these harassing calls and help you take control of your financial situation. Give us a call; dealing with your debt starts with understanding it. Let's get this sorted out together.

Who Is 8662285970: Scam Or Legitimate

866-228-5970 is linked to the debt collection agency Sunrise Credit Services, Inc., but it could also be a scam. Here’s what we advise you to do:

• Do not engage with the caller. Whether it's legitimate or a scam, avoid sharing personal information.
• Do not pay immediately without verification. First, check the details of the debt.
• Pull your credit report to see if there are any inaccurate or negative entries affecting your score.
• Contact us at The Credit Pros for a free 3-bureau credit report evaluation. We've helped many in similar situations.

Block the number if they call repeatedly or if you suspect it's a scam. We can help verify any debt, dispute incorrect entries, and improve your financial outlook.

To sum up, if you receive a call from 866-228-5970, don't engage or pay without verifying the debt first. Review your credit report, block the number if necessary, and reach out to us for help. We're here to support you.

How Do I Stop 8662285970 From Harassing Me (How To Report Them)

To stop 8662285970 from harassing you and to report them, you should:

1. Document Unwanted Interactions: Keep a log of every call, noting dates, times, and any abusive language used.

2. Register with the Do Not Call Registry: Visit DoNotCall.gov and register your number. You can also use your phone’s call-blocking feature or contact your service provider for help.

3. Use Call Blocker Apps: Consider apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

4. File Complaints:
- FCC: File a complaint at fcc.gov/complaints for unwanted calls.
- FTC: Report violations at ReportFraud.ftc.gov.
- CFPB: File a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

5. Seek Legal Help:
- Consult a harassment lawyer.
- Use a cease and desist letter template from eforms.com/cease-and-desist.

6. Other Resources:
- Report robocalls if you use Nomorobo.
- Check with your phone carrier for more blocking tools.
- Reach out to local or state consumer protection offices.

To wrap things up, you can stop 8662285970 from harassing you by documenting calls, registering with the Do Not Call Registry, using call blocker apps, filing complaints with the FCC, FTC, and CFPB, seeking legal help, and exploring other available resources.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 8662285970

You should block or ignore calls from 866-228-5970. This number is linked to a debt collection agency, and doing so won't harm your credit score. If the calls are persistent or harassing, blocking them is a smart move, especially if you believe the debt is inaccurate or a scam.

You have the right to request written verification of the debt. Always document any harassment and consider consulting a consumer rights attorney if needed. We recommend working with a reputable credit repair company to handle any inaccuracies on your credit report, so you won’t have to deal with such calls directly.

• Blocking the number won’t affect your credit score.
• You can request written verification of the debt.
• Document harassment and consider legal advice.

In the end, you should block or ignore calls from 866-228-5970, document any issues, and consult legal help if necessary, ensuring a stress-free approach.

Can A Debt Collector Like 8662285970 Sue Me

Yes, a debt collector like 8662285970 can sue you, but it's uncommon. Lawsuits are typically a last resort, especially for substantial debts (often over $5,000). Here’s what you need to know:

• Proof of Debt: The collector must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be tricky if the debt has been transferred multiple times.
• Cost and Effort: Suing you is expensive and time-consuming. Most collectors prefer to settle out of court to save on costs.
• Statute of Limitations: Each state has a specific period within which a collector can sue. If the debt is old, it might be beyond this period, reducing the likelihood of a lawsuit.
• Preferred Methods: Collectors usually try calls and letters before considering legal action.

If they do sue, you'll receive a court summons and complaint, which you must respond to by the deadline to avoid a default judgment. A default judgment might result in wage garnishment or bank account levies, but such scenarios are rare.

Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights protecting you from abusive or deceptive practices. If you receive a lawsuit, consider consulting an attorney to understand your options.

As a final point, while a debt collector like 8662285970 can technically sue you, it is rare. They need proof, face high costs, and must act within a timeframe. It’s more likely you'll receive calls and letters instead. Be aware of your rights and consult an attorney if you get sued.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

8662285970 Might Have Your Personal Information

Don't provide any information to debt collectors like 8662285970 over the phone. These callers might be trying to scam you by pretending to be from legitimate companies and using threats to get your personal information.

Instead, you should get your 3-bureau credit report to understand your financial situation. Start building a comprehensive plan to improve your credit from there.

Consider working with a reputable credit repair company to handle disputes or inaccuracies on your report. They can provide professional advice and safely guide you through the process.

• Block the number to avoid stress.
• Never share personal information over the phone.
• Use professional help for credit repair.

Bringing it all together, block the number 8662285970, avoid sharing personal information, and consider professional help to safely improve your credit health.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 8662285970

8662285970 is associated with collecting various types of debt, including delinquent credit card accounts, medical bills, personal loans, and unpaid utility bills. They might work with creditors by purchasing these debts at a fraction of their value. They may also be hired by creditors to recover these debts on their behalf.

You should find the specific creditors they work with aren't mentioned, but they operate under federal and state regulations to ensure fair practices. Knowing your rights can help you manage these interactions more effectively.

All things considered, if you owe debt that 8662285970 is trying to collect, understanding the types of debt they handle can help you take the correct steps to address the situation within the legal framework.

How Do I Check If I Owe Money To 8662285970

To check if you owe money to 866-228-5970, you should follow these steps:

First, avoid contacting them directly to prevent restarting the statute of limitations on any old debts. Instead, check your own records for any final bills, account statements, or equipment return receipts that can relate to the alleged debt.

Next, if the debt appears on your credit report, you need to request validation from the collections agency. Make sure to verify the legitimacy of any communications by asking for the caller’s name, company name, street address, and callback number.

If you think the debt is not yours, you should send a written request to dispute it. In cases where you face harassment, consulting a consumer protection lawyer can provide guidance and help.

Lastly, always protect your personal financial information and never share it unless you are sure the entity is legitimate. This proactive approach helps prevent issues with inaccurate collection efforts and protects your credit.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 8662285970

You are protected by several laws and regulations from debt collectors, including Sunrise Credit Services, Inc., contacting you at 866-228-5970. Here’s what you need to know:

Fair Debt Collection Practices Act (FDCPA)
- Federal Protection: The FDCPA is the main federal law that protects you from abusive, deceptive, or unfair debt collection practices. It covers personal, family, and household debts, but not business debts.
- Prohibited Conduct: Debt collectors cannot contact you before 8 AM or after 9 PM, use abusive language, make threats, or harass you with repeated calls. They cannot falsely represent themselves or disclose your debt to third parties.
- Your Rights: You can request a validation notice in writing to verify the debt. You also have the right to dispute the debt, and collection efforts must stop until they provide verification. You can demand in writing that they stop contacting you, and if you have an attorney, they must communicate only with the attorney.

State Debt Collection Laws
- Additional Protections: Some states have their own laws that offer extra protections beyond the FDCPA. For example, New York requires debt collectors to have strict licensing.

Consumer Rights and Actions
- Documentation: Keep a record of all interactions with the debt collector. Note the date, time, and details of each call.
- Seek Legal Help: If you feel harassed, consider consulting a consumer rights attorney. You can also report violations to the FTC, CFPB, or your state attorney general.

Finally, by understanding these protections, you can effectively manage and respond to calls from debt collectors.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 8662285970/Sunrise Credit Services, Inc. Have Any Lawsuits Against Them

Sunrise Credit Services, Inc. does have lawsuits against them. One notable case involves a proposed class action where a New York consumer alleged that a Sunrise representative unlawfully discouraged him from disputing his debt, claiming it would be 'futile.' Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must accept oral disputes by phone, making such discouragement illegal.

In this particular lawsuit, the consumer claimed that a representative told him he couldn’t dispute the debt because he owed it. This is a violation of FDCPA regulations.

As of now, there are no other reported lawsuits or open cases against Sunrise Credit Services, Inc. for FDCPA violations.

In closing, Sunrise Credit Services, Inc. has faced legal issues, including a class action for discouraging valid debt disputes, but no additional FDCPA violation cases have been reported.

What Do People Online Say About 8662285970

When it comes to 866-228-5970, people online have a lot to say.

On Reddit, u/john_doe shares, 'They keep calling me every day and never leave a voicemail. Definitely seems like spam.' Similarly, u/amy_smith adds, 'I answered once, and nobody spoke. Super creepy!' u/mike88 notes, 'They claim to be from Sunrise Credit Services but I think it’s a scam. Blocked them.'

Other users have also chimed in with their experiences:
• One anonymous user says, 'They said I owed money to Spectrum, which I knew was false. Sounded like an old lady.'
• Another user mentions, 'These calls are harassment. I’ve blocked the number and reported them.'
• 'Scam agency posing as a legitimate debt collector. Beware and don’t give them any info,' warns one user.
• 'Robocaller, calls me at least once a week but never leaves a voicemail,' says another.

Most people believe that calls from 866-228-5970 are spam or fraudulent. Common issues include repeated calls without voicemails, false claims about owed money, and silence when the call is answered. Many users suggest you block the number and report it as potential harassment or scam attempts.

Overall, it seems 866-228-5970 is widely regarded as a spam or scam number. You should block the number and report any suspicious activity to protect yourself.

Do I Really Need To Remove 8662285970 From My Credit Report

Yes, you really need to remove 8662285970 from your credit report if you've confirmed that this collection is on your report and identified it as potentially inaccurate. Instead of disputing it on your own, which can be time-consuming and draining, consider reaching out to a reputable credit repair company like The Credit Pros. Avoid typical credit repair companies, as many are poorly rated and may not maximize your chances of removing potentially inaccurate negative items.

You should also regularly check your credit reports from all three bureaus (Equifax, Experian, and TransUnion) to ensure accuracy and catch any errors early on. Removing inaccuracies can significantly improve your credit score. Remember, accurate negative items cannot be removed and will stay on your credit report for up to seven years. Always seek help from reputable companies to handle this process efficiently.

As a final point, make sure you regularly check your credit reports, avoid poorly rated credit repair companies, and reach out to reputable professionals for assistance. This ensures your credit report remains accurate without draining your energy.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 8662285970 can be written

- +1 866-228-5970
- +1 (866) 228-5970
- +1 866 228 5970
- (866) 228-5970
- 866-228-5970
- 866.228.5970
- 866 228 5970
- +18662285970
- (866) 228-5970
- 866.228.5970
- 8662285970

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

List of every other phone number that Sunrise Credit Services, Inc. uses:

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.

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