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. 

Social Media and Employment Background Checks

Under the Fair Credit Reporting Act (“FCRA”), an employer cannot delve into your personal life without your permission.  When applying for a job or if you are currently employed, the law says employers need to seek your permission to conduct a background check.  The FCRA requires an employer to ask your permission to conduct a background check and get written confirmation.  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...

Who Is Really Reporting Your Credit Information

The average consumer is aware of the three big credit reporting agencies, Experian, Equifax, and Trans Union.  When applying for credit, most consumers are aware that lenders review your credit report to see if you are “credit worthy” before they decide whether or not to lend you money.  Most often, the reports being reviewed are from one or all of the big three.  However, there are dozens of other reporting companies that store your credit information and are sharing it with your potential lenders.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...