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
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 >
Since the Equifax data breach, many consumers for the first time are pulling their credit reports and reviewing their information. While a major credit reporting security breach should not be the impetus for a credit review, it certainly did help to serve as a reminder that consumers should and need to know what’s reporting about them. Accessing your credit report to ensure its accuracy should go beyond the big three. There are more credit reporting agencies in addition to Equifax, Experian and Trans Union that store and report your confidential information.More >
Since the disclosure of the Equifax data breach in September, American consumers have been warned to be overly cautious and protective of their personal information. While data breaches occur more frequently than lenders would like to admit, the Equifax data breach was on an entirely different scale. This breach leads us to ponder the question, is our credit reporting system the best available and best option for us. More >
Just this past week, a California judge denied Trans Union’s appeal of a $60 million verdict for violations of the Fair Credit Reporting Act (“FCRA”). A jury determined Trans Union was liable when it confused over 8,000 consumers’ names with the names of criminals and terrorists on a government watch list. Five years after the case was filed, the consumer class was awarded statutory and punitive damages exceeding $60 million. On appeal, the judge stated the jury was justified in reaching such a hefty verdict. More >
With the holidays just around the corner, most consumers consider applying for credit to be able to have additional means to make purchases during this expensive time. If you are one of the millions of consumers applying for credit and find that you are continually getting denied, don’t just accept the rejection. Finding out why you have been denied for a credit card or loan is within your rights under the Fair Credit Reporting Act (“FCRA”) and you deserve to know the reasons. More >
Under The Fair Credit Reporting Act (“FCRA”), when you are a victim of identity theft you have specific rights. While recovering from a massive attack on your credit is a lengthy process, it is not an impossible feat if you follow the letter of the law and these five simple steps.More >