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. 

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...

What to Do When Your Credit is Compromised

Under The Fair Credit Reporting Act (“FCRA”), when you are a victim of identity theft you have specific rights.  While recovering from a massive attack on your credit is a lengthy process, it is not an impossible feat if you follow the letter of the law and these five simple steps.Read More...

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...