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. 

Are Creditors Required to Report your History?

In January of 2018, GM Financial, the automotive lending giant, ceased to report any of its account information to the credit reporting agencies for as many as 2.5 million of its customers.  Consumers were left with blank information which could essentially alter their credit score.  Is it legal for a creditor to stop reporting information?  Does the law require it to report?Read More...

Closing Credit Cards and your Credit Score

Before making a decision to close that credit card account you do not use anymore that is just sitting open on your credit report, consider what it could do to your score. 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...