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
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 >
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 >