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. 

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...

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...

Hope For Credit Reporting Changes in 2018

Since the disclosure of the Equifax data breach in September, American consumers have been warned to be overly cautious and protective of their personal information.  While data breaches occur more frequently than lenders would like to admit, the Equifax data breach was on an entirely different scale.  This breach leads us to ponder the question, is our credit reporting system the best available and best option for us. Read More...