Know Your Rights

Blog

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. 

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...

What Must Be Disclosed Before Employment Background Check

When it comes to applying for a job, the application process is no longer as simple as filling out paperwork and going for an interview.  With the availability of consumer data and the internet, employers can now conduct a more extensive background check when you apply for a job.  Gone are the days of being able to just appear face to face and let an employer know you are the right person for the job.Read More...

Snacking Giant Pays in Background Check Lawsuit

Last month, Frito-Lay, Inc., one of the largest snack food manufacturers, generating over $1 billion in sales over the past year, agreed to pay $2.4 million to settle a class action lawsuit over alleged violations of the Fair Credit Reporting Act (“FCRA”) for improper handling of background checks.Read More...

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...