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. 

Social Media and Employment Background Checks

Under the Fair Credit Reporting Act (“FCRA”), an employer cannot delve into your personal life without your permission.  When applying for a job or if you are currently employed, the law says employers need to seek your permission to conduct a background check.  The FCRA requires an employer to ask your permission to conduct a background check and get written confirmation.  Read More...

Salary Information on your Credit Report

Checking your credit report is standard protocol for the average consumer.  Accessing your credit file to review the information reporting is essential to your financial well being. Did you know that in addition to account information, credit reporting agencies also collect salary information on consumers? 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...

What To Do if Your Credit Application is Rejected

With the holidays just around the corner, most consumers consider applying for credit to be able to have additional means to make purchases during this expensive time.  If you are one of the millions of consumers applying for credit and find that you are continually getting denied, don’t just accept the rejection.  Finding out why you have been denied for a credit card or loan is within your rights under the Fair Credit Reporting Act (“FCRA”) and you deserve to know the reasons. Read More...