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. 

Comcast and its Impermissible Credit Report Access

We are seeing a pattern emerge whereby Comcast/Xfinity is gaining access to consumers' credit reports without having the consumers' permission nor a permissible purpose to obtain the report under the Fair Credit Reporting Act.  In a few occasions now, we have seen them gain access to the reports of our clientele.  While we are currently taking action against them for this conduct, others have too... and with success...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...

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...

What Must Be Disclosed Before Employment Background Check

When it comes to applying for a job, the application process is no longer as simple as filling out paperwork and going for an interview.  With the availability of consumer data and the internet, employers can now conduct a more extensive background check when you apply for a job.  Gone are the days of being able to just appear face to face and let an employer know you are the right person for the job.Read More...