Protecting Consumer Rights - Presented By SmithMarco, P.C.
SmithMarco, P.C. is a private law firm dedicated to representing consumers and protecting their rights. Managing partners Larry Smith and David Marco have been practicing consumer protection for over 35 years combined, and have successfully defended consumers in thousands of cases. They are experienced debt collection practices act attorneys and credit report and background dispute lawyers who can ensure that your rights are protected, debt collector harassment stops, and that credit and background report errors are corrected depending on your needs.
If you feel your rights have been violated in regards to debt collection, credit report errors, background check errors, consumer fraud, or lemon laws, please do not hesitate to contact us for a free case review or give us a call at 888-822-1777.
Recent Protecting Consumer Rights Blog Posts
Last month, Frito-Lay, Inc., one of the largest snack food manufacturers, generating over $1 billion in sales over the past year, agreed to pay $2.4 million to settle a class action lawsuit over alleged violations of the Fair Credit Reporting Act (“FCRA”) for improper handling of background checks.More >
Have you ever applied for credit and been rejected because you have no credit? Getting approved for credit is next to impossible when you have little to no credit history. This cycle seems impossible to overcome, because if you have no credit, how are you going to get approved based upon your credit history? So while no credit is not the same as bad credit, following these simple steps to getting credit will help you build a credit history and set yourself up for the future.More >
Join Larry Smith, consumer protection attorney and co-founder of SmithMarco P.C. for this episode of "Credit Talk" on Chicago Access Network Television. Larry discusses how to access and dispute incorrect information on all of you credit and background reports, not just the credit reports from the three large credit reporting agencies. He also talks about how to recognize and avoid debt collection scams, which are on the rise, along with other credit topics.More >
Join SmithMarco's own consumer rights attorney, Larry Smith, on Chicago Access Network Televisiton (CAN TV) for this episode of "Credit Talk." Larry Smith discusses your rights when denied credit or employment based on a merged credit file. A merged credit file occurs when people have similar names, addresses, phone numbers, birth dates, and social security numbers and their credit information and background check information gets mixed up by the credit reporting agencies.More >
Experts say that one in three American consumers have never checked their credit report. Considering the prevalence of the use of credit in our society, this number is quite astounding. Are you one of the consumers who have never looked at your report to make sure that the reporting is accurate? More >
Under the Fair Credit Reporting Act (“FCRA”), an employer cannot delve into your personal life without your permission. When applying for a job or if you are currently employed, the law says employers need to seek your permission to conduct a background check. The FCRA requires an employer to ask your permission to conduct a background check and get written confirmation. More >
Tune into CAN TV’s “Credit Talk” to hear from SmithMarco’s very own attorney, Larry Smith. He discusses a variety of credit-related topics, including how to dispute incorrect information on your credit report, as is your right as a consumer. You are entitled to one free credit report each year from the three big credit reporting agencies, Equifax, TransUnion, and Experian to check the information on your credit report. You also have the right to request more details about the investigation into disputes on your credit report.More >
When out shopping, whether it’s the grocery store, a restaurant or retailer, more than half of American consumers reach for their credit card or debit card when it comes time to make payment. While using credit to make purchases is the simplest way to pay what you owe, it can also be the easiest way for your identity to be compromised. More >
Under the Fair Credit Reporting Act (“FCRA”) you are entitled to know what is reporting on your credit file. Credit reporting agencies provide your information to lenders, employers, landlords, banks, insurance companies, department stores and other entities. So, to maintain your financial welfare, you need to know what they are reporting about you. Experts say there are approximately 400 specialty credit reporting agencies in addition to the three main players, Experian, Equifax and Trans Union, that the average consumer is aware of. More >