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. 

Checking Account Credit Reporting Agencies

The average consumer has heard of the three major credit reporting agencies, Equifax, Experian and Trans Union.  These big three credit agencies are responsible for gathering, storing and reporting your financial information for creditors, lenders, employers and other entities that are allowed to view it.  But did you know that there are actually checking/banking account credit reporting agencies that are reporting on consumers as well?  Just like the three major credit reporting agencies, these checking account agencies are reporting on your bank account history.  Read More...

Everything You Need to Know about your Free Credit Report

For so many, the New Year is about starting over.  A fresh start can include getting your finances in order.  To begin this process, pulling a copy of your credit report for free should be at the top of your list.  Under the Fair Credit Reporting Act (“FCRA”), the federal statute enacted to protect your consumer rights, you are entitled to one free copy of your credit report a year from each of the three credit reporting agencies.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 Most Common Credit Reporting Errors

Considering one in four consumers has errors on their credit reports, checking your report is more important than ever.  Your credit report can affect your financial well-being and ensuring its accuracy will guarantee that you get the best possible interest rates and credit available to you.  There are several credit reporting mistakes that are more common than others.  Below is a list of the top three mistakes to look for.Read More...