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
Pepsi Beverage Company recently agreed to pay over $1 million to settle a class action lawsuit against the beverage giant alleging it violated the Fair Credit Reporting Act (“FCRA”) by failing to conduct compliant employment background checks.More >
Regardless of the reason for needing a loan, getting denied can be frustrating for a consumer looking to improve his or her financial well being. But rather than taking a loan denial personally, you can take steps to understand why you were denied and work to fix your credit so it does not happen again in the future. More >
With the stress of divorce and/or marital separation comes the stress of paying your bills and dividing your finances. Maintaining good credit post divorce can be challenging. It is important to understand that a legal separation does not alleviate you of your responsibility and obligation to pay your bills with your spouse that were joint debts incurred while you were married. More >
In January of 2018, GM Financial, the automotive lending giant, ceased to report any of its account information to the credit reporting agencies for as many as 2.5 million of its customers. Consumers were left with blank information which could essentially alter their credit score. Is it legal for a creditor to stop reporting information? Does the law require it to report?More >
Before making a decision to close that credit card account you do not use anymore that is just sitting open on your credit report, consider what it could do to your score. More >
Believe it or not, it has been over 75 years since two mathematicians named William Fair and Earl Isaac created the credit scoring system, more commonly known as Fair Isaac or FICO, which has been the main tool for valuing your credit standing since the mid 1950s. While this model maintains its position as the standard by which credit is determined, other data that is typically not reported can soon serve to help consumers in need of a better credit standing. More >
When it comes to applying for a job, the application process is no longer as simple as filling out paperwork and going for an interview. With the availability of consumer data and the internet, employers can now conduct a more extensive background check when you apply for a job. Gone are the days of being able to just appear face to face and let an employer know you are the right person for the job.More >
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 >