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
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 >
Checking your credit report is standard protocol for the average consumer. Accessing your credit file to review the information reporting is essential to your financial well being. Did you know that in addition to account information, credit reporting agencies also collect salary information on consumers? More >
The average consumer is aware of the three big credit reporting agencies, Experian, Equifax, and Trans Union. When applying for credit, most consumers are aware that lenders review your credit report to see if you are “credit worthy” before they decide whether or not to lend you money. Most often, the reports being reviewed are from one or all of the big three. However, there are dozens of other reporting companies that store your credit information and are sharing it with your potential lenders.More >
Your Credit Score is the number assigned to the information contained in your credit report. Your Credit Score is the number used by lenders to make decision on whether or not to lend you money. Your Credit Score is the number that allows you greater financial opportunities. Your Credit Score is your “adult GPA.” Your Credit Score is the number you should care about and should work toward making it the highest and best number possible.More >
A new year, a new opportunity to clean up your credit. Make 2018 the year you address your finances. Improve your credit and give yourself more opportunity and more cash in your pocket. Cleaning up your credit is as simple as following these five steps.More >
As the face of the workforce population begins to change in 2018, employee background checks will need to transform in accordance with the Fair Credit Reporting Act (“FCRA”). As Millennials, people aged 18 to 34, continue to out number the Baby Boomer population and take over the workplace market, this younger and more technologically savvy group of people are invested in their credit report and online personal information. So to adapt to this growing generation while on the hunt for employment, background checks are predicted to become more accessible and easier to conduct. More >