Know Your Rights

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Welcome to the Protecting Consumer Rights Blog...

You have rights when a debt collector is pursuing you. SmithMarco, P.C., has over 30 years of combined experience practicing law protecting the rights of consumers around the country.

Contact us for a free case review to determine if your Fair Debt Collection Practices Act rights were violated. 

Are Creditors Required to Report your History?

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?Read More...

What To Do if Your Credit Application is Rejected

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. Read More...

Correcting A Merged Credit Report

One of the most common credit reporting mistakes is a merged credit report.  A merged credit report is a report that has someone else’s information reported on your credit file.  It is not the result of fraud but a mistake by the credit reporting agency or your creditors causing your information to merge with that of another.Read More...

The 5 Most Common Credit Report Dispute Mistakes

As a responsible consumer, you pull a copy of your credit report annually to review the information and make sure it is up to date and accurate.  Studies show that 1 in 5 American consumers have errors on their credit report and need to embark on the dispute process to correct the inaccurate information.  Under the Fair Credit Reporting Act (“FCRA”) you have the right to dispute the inaccurate information with the credit reporting agencies, but launching an investigation the wrong way could set you back.  Making a mistake is more common than one would think.  Below is a list of the top five most common mistakes made during the dispute process and tips on how to avoid them.Read More...