Month: October 2017

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 […]

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 […]

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 […]

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 […]

In the aftermath of Equifax’s data breach, one of the largest breaches in credit history to date, Congress is looking to reform the use of credit information used for employment background checks.  After 143 million American consumers were affected by the data breach, Congress proposes a new bill that would result in big changes for […]