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. 

More Employment Background Check Class Action Lawsuits

Pepsi Beverage Company recently agreed to pay over $1 million to settle a class action lawsuit against the beverage giant alleging it violated the Fair Credit Reporting Act (“FCRA”) by failing to conduct compliant employment background checks.Read More...

What to do when you are Denied Credit

Regardless of the reason for needing a loan, getting denied can be frustrating for a consumer looking to improve his or her financial well being.  But rather than taking a loan denial personally, you can take steps to understand why you were denied and work to fix your credit so it does not happen again in the future. Read More...

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...

Alternative Data Could Help Some Consumers Get Credit

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. Read More...