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. 

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...

5 Steps to Cleaning Up Your Credit in 2018

A new year, a new opportunity to clean up your credit.  Make 2018 the year you address your finances.  Improve your credit and give yourself more opportunity and more cash in your pocket.  Cleaning up your credit is as simple as following these five steps.Read More...

Changing Background Checks to Protect the New Generation

As the face of the workforce population begins to change in 2018, employee background checks will need to transform in accordance with the Fair Credit Reporting Act (“FCRA”).  As Millennials, people aged 18 to 34, continue to out number the Baby Boomer population and take over the workplace market, this younger and more technologically savvy group of people are invested in their credit report and online personal information.  So to adapt to this growing generation while on the hunt for employment, background checks are predicted to become more accessible and easier to conduct. Read More...

More than the Big 3 are Reporting Information about You

Since the Equifax data breach, many consumers for the first time are pulling their credit reports and reviewing their information.  While a major credit reporting security breach should not be the impetus for a credit review, it certainly did help to serve as a reminder that consumers should and need to know what’s reporting about them.  Accessing your credit report to ensure its accuracy should go beyond the big three.  There are more credit reporting agencies in addition to Equifax, Experian and Trans Union that store and report your confidential information.Read More...