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. 

How to Dispute Incorrect Information on Your Credit Report

Tune into CAN TV’s “Credit Talk” to hear from SmithMarco’s very own attorney, Larry Smith. He discusses a variety of credit-related topics, including how to dispute incorrect information on your credit report, as is your right as a consumer. You are entitled to one free credit report each year from the three big credit reporting agencies, Equifax, TransUnion, and Experian to check the information on your credit report. You also have the right to request more details about the investigation into disputes on your credit report.Read More...

Protecting your Identity when Making Card Purchases

When out shopping, whether it’s the grocery store, a restaurant or  retailer, more than half of American consumers reach for their credit card or debit card when it comes time to make payment.  While using credit to make purchases is the simplest way to pay what you owe, it can also be the easiest way for your identity to be compromised. Read More...

Complete a Full Credit Check on Yourself

Under the Fair Credit Reporting Act (“FCRA”) you are entitled to know what is reporting on your credit file.  Credit reporting agencies provide your information to lenders, employers, landlords, banks, insurance companies, department stores and other entities.  So, to maintain your financial welfare, you need to know what they are reporting about you.  Experts say there are approximately 400 specialty credit reporting agencies in addition to the three main players, Experian, Equifax and Trans Union, that the average consumer is aware of. Read More...

Salary Information on your Credit Report

Checking your credit report is standard protocol for the average consumer.  Accessing your credit file to review the information reporting is essential to your financial well being. Did you know that in addition to account information, credit reporting agencies also collect salary information on consumers? Read More...