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. Step 1: Order Your […]
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Top Seven Reasons You Were Denied a Credit Card

When applying for a credit card it seems fairly obvious that you cannot get approved with a poor credit history.  However often times, consumers with a good credit score are denied for a variety of other reasons.  Here are seven of the top reasons credit card companies may deny your application. Low Credit Score The […]
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The Equifax Breach and Dealing with Identity Theft and Credit Scores

Tune into CAN TV’s “Credit Talk” to hear from SmithMarco’s very own attorney, Larry Smith. He discusses a variety of credit-related topics, one of them most notably being the recent Equifax data breach. Learn how you can spot red flags in your credit report that may suggest that you’ve been a potential victim of the […]
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Getting Free Credit Report Not as Easy as it Should Be

Under an amendment to the Fair Credit Reporting Act in 2003, consumers are entitled to one free credit report a year from each of the three big credit reporting agencies, Equifax, Experian, and Trans Union.  After the recent security breach at Equifax, there is no better time than now to take advantage of obtaining your […]
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