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. 

No Credit, No Problem?

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.Read More...

Video: How to Dispute a Merged Credit Report

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.Read More...

What Factors Make Up Your Credit Score

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.Read More...

New FICO Scoring Model to Save Us from Medical Collections

As a consumer, understanding your FICO score is a useful tool to improving your credit.  FICO is the most common credit scoring model used by creditors and lenders to make a decision on whether or not to lend you money.  Because the lending industry is constantly changing, your FICO score needs to evolve too.Read More...