Know Your Rights

Blog

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. 

More of What you Need to Know About Your Credit Score

Your Credit Score is an important number to you.  It is calculated based on the information contained in your credit report; it is a number that tells lenders what type of consumer you are; a number that will decide whether or not you are approved for credit and at what rate; a number that may affect your ability to get a job.  The more you understand what makes up your credit score the more prepared you will be to increase it and have more financial opportunity.Read More...

Credit Problems for the Military

For the average American consumer, managing your credit can be difficult.  Add military personnel to your resume and imagine the stress deployment can cause on your finances.  Being in the military can mean constant movement and deployment, making it difficult to pay your bills and watch over your credit responsibly.  When deployment is over, transitioning back into everyday life can result in financial challenges for most veterans along with the physical, emotional, and mental stress that ex-military deal with.Read More...

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...

Employment Background Checks - No Avoiding the Law

Earlier this year, the U.S. Court of Appeals was forced to review a question that had never before been considered by an appellate court relating to the Fair Credit Reporting Act (“FCRA”) and its rules regarding employment background checks.  Under the law, employers looking to use an applicant’s credit report to aid in a hiring decision must follow the rules laid out under the Fair Credit Reporting Act.Read More...