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. 

New FICO Scoring Model to Save Us from Medical Collections

As a consumer, understanding your FICO score is a useful tool to improving your credit.  FICO is the most common credit scoring model used by creditors and lenders to make a decision on whether or not to lend you money.  Because the lending industry is constantly changing, your FICO score needs to evolve too.Read More...

More of What you Need to Know About Your Credit Score

Your Credit Score is an important number to you.  It is calculated based on the information contained in your credit report; it is a number that tells lenders what type of consumer you are; a number that will decide whether or not you are approved for credit and at what rate; a number that may affect your ability to get a job.  The more you understand what makes up your credit score the more prepared you will be to increase it and have more financial opportunity.Read More...

Understanding Credit Utilization

When reviewing a credit report, consumers need a basic understanding of the elements used to calculate a score.  When using the Fair Isaac Corporation (“FICO”), the most widely used and well known credit scoring system, there are five different factors used to determine a score with each factor contributing a different percentage to your overall number.Read More...

Resolve This Year to Improve your Credit Score

The New Year for so many is about resolutions and setting new goals for yourself, so why not put repairing your credit score at the top of your list?  A good credit report can open many doors and provide new opportunities for you.  If you are ready to take action and repair your credit, follow these steps for success and check this resolution off your list.Read More...