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 Credit Dispute Options

Under the Fair Credit Reporting Act, the statute enacted to protect consumers and promote accuracy, fairness, and privacy of consumer information, consumers are entitled to one free credit report annually from each of the three big credit reporting agencies.  The purpose of this recent amendment to the statute is to make a free report available to all consumers to allow them to review their report and ensure its accuracy.Read More...

Are You Putting Your Credit At Risk?

As a consumer, you must be aware of how your credit and credit score can impact your financial worthiness and affect your everyday living.  Without good credit you risk paying more for your credit cards, mortgage loans and insurance as well as risk getting a job.  Experts say that despite the importance of your credit, only approximately two thirds of consumers have checked their credit in the past year and one fifth of consumers have never checked their credit.  Considering that almost 20% of credit reports contain errors, this number is concerning.  Checking your credit can save you money and will keep you on top of your finances.Read More...

Checking Account Credit Reporting Agencies

The average consumer has heard of the three major credit reporting agencies, Equifax, Experian and Trans Union.  These big three credit agencies are responsible for gathering, storing and reporting your financial information for creditors, lenders, employers and other entities that are allowed to view it.  But did you know that there are actually checking/banking account credit reporting agencies that are reporting on consumers as well?  Just like the three major credit reporting agencies, these checking account agencies are reporting on your bank account history.  Read More...

Everything You Need to Know about your Free Credit Report

For so many, the New Year is about starting over.  A fresh start can include getting your finances in order.  To begin this process, pulling a copy of your credit report for free should be at the top of your list.  Under the Fair Credit Reporting Act (“FCRA”), the federal statute enacted to protect your consumer rights, you are entitled to one free copy of your credit report a year from each of the three credit reporting agencies.Read More...