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. 

A Guide to the Fair Credit Reporting Act

The Fair Credit Reporting Act, more commonly referred to as the FCRA, is the federal statute that was enacted to protect consumer rights in the credit reporting industry.  This law is a consumer minded statute that ensures accuracy and fairness in reporting and dissemination of your financial information.  The FCRA specifically outlines consumer rights but also sets guidelines for creditors, lenders and consumer reporting agencies. Read More...

Can Employers Make You Waive Rights When Doing a Background Check?

When going for an interview most employers want to conduct a background check.  Employers want to delve into you personal and financial history to ensure that if you ace your interview there is nothing lurking in your credit that may raise a red flag.  In order to conduct a background check, employers must receive your express consent and according to a recent decision in the Ninth Circuit court of appeals there is no way around it.Read More...

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...