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. 

Larry Smith answers on Employment Background Checks

Our very own consumer rights attorney, Larry Smith, contributed to the article "Does Your Credit Score Show Up on Your Background Check?" with Opploans. Read More...

What to do when you are Denied Credit

Regardless of the reason for needing a loan, getting denied can be frustrating for a consumer looking to improve his or her financial well being.  But rather than taking a loan denial personally, you can take steps to understand why you were denied and work to fix your credit so it does not happen again in the future. Read More...

Closing Credit Cards and your Credit Score

Before making a decision to close that credit card account you do not use anymore that is just sitting open on your credit report, consider what it could do to your score. Read More...

Alternative Data Could Help Some Consumers Get Credit

Believe it or not, it has been over 75 years since two mathematicians named William Fair and Earl Isaac created the credit scoring system, more commonly known as Fair Isaac or FICO, which has been the main tool for valuing your credit standing since the mid 1950s. While this model maintains its position as the standard by which credit is determined, other data that is typically not reported can soon serve to help consumers in need of a better credit standing. Read More...