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. 

The Equifax Breach and Dealing with Identity Theft and Credit Scores

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, one of them most notably being the recent Equifax data breach. Learn how you can spot red flags in your credit report that may suggest that you’ve been a potential victim of the hack, as well as next steps to dispute these inaccuracies.Read More...

Getting Free Credit Report Not as Easy as it Should Be

Under an amendment to the Fair Credit Reporting Act in 2003, consumers are entitled to one free credit report a year from each of the three big credit reporting agencies, Equifax, Experian and Trans Union.  After the recent security breach at Equifax, there is no better time than now to take advantage of obtaining your free report to make sure the information on your credit file actually belongs to you and that you are not one of the 143 million consumers whose information was compromised.  Read More...

Post Equifax Breach, Consumer Advocates Propose New Laws for Employment Background Checks (3)

In the aftermath of Equifax’s data breach, one of the largest breaches in credit history to date, Congress is looking to reform the use of credit information used for employment background checks.  After 143 million American consumers were affected by the data breach, Congress proposes a new bill that would result in big changes for the credit reporting agencies and consumers by regulating the use of credit reports for employment purposes.Read More...

Equifax Data Breach

You came to this page because you have concerns about the recent breach at the data centers of Equifax, one of the major credit reporting agencies.  We are well aware of the circumstances and we are aware that millions of people have been, or will be, affected by this breach.Read More...