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. 

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...

Pre-Approved Credit Card Offers

With the holiday season just around the corner, you have probably noticed an abundance of “pre-approved” credit card offers in your mailbox.  But what does this mean? Are you really approved?  Can you just start using the card? Should you start using the card?  Today, credit card companies use marketing strategies to send out these pre-approved credit card offers to consumers with specific demographics, based on where you live, your age and your credit standing.  However, it is important to know that while these offers may seem ideal, the offer is not a guarantee.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...