What are FCRA Background Checks

When it comes to conducting background checks for employment purposes, the Fair Credit Reporting Act (FCRA) applies to protect consumers.  But that is not the case in every instance.  The FCRA does not cover all background checks.  It covers most. When Does the FCRA Apply? A consumer report is one that bears upon a persons […]
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What is a Charge-off on Credit Reports

Consumer’s that suffer from debt problems may notice some accounts reporting a “charge-off” on a credit report.  There is a lot of confusion on just what this means.  Does it mean the debt is no longer owed?  Can the creditor still pursue it?  And, how long can it be reported? A charge-off is a designation […]
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SmithMarco, P.C. Scores Trial Victory

SmithMarco, P.C. scored another trial victory when receiving an award of $780,000 against AR Resources in the matter of Ramones v. AR Resources, 19-cv-62949, pending in the Southern District of Florida, Miami Division.  The trial, handled by partner David M. Marco, was a Fair Credit Reporting Act case wherein a debt collection agency reported accounts […]
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Credit Report Disputes – Everything You Need to Know

Many Americans looking at their credit reports will find errors of some sort on them.  Some of these errors can be detrimental to their credit standing and harm their ability to obtain credit.  When finding an error on your credit report, the first thing to do – always – is dispute that error directly to […]
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What is a Merged Credit Report?

Often times, one will review their credit report and find information that is completely alien to them.  Accounts or addresses that have no relation to the consumer.  Often, the initial reaction is to assume identity theft – someone got a hold of your information and is ruining your credit.   You may instead be dealing with […]
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Getting Sued for a Debt? Don’t Hide from it, Get Legal Help

Getting served with a lawsuit by a creditor can be an extremely lonely and deflating feeling.  Many Americans are in debt and unable to pay all of their bills.  When someone is having a hard enough time making ends meet, it can be made worse when the pressure of a lawsuit comes to your door.  […]
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What Does “Meets FCRA Requirements” Mean on your Credit Report?

Many people have come to us with the question of what “meets FCRA requirements” means on their credit report.  Often times, an account being reported will have this comment attached to it.  Every time, it is an account that the consumer had once issued a dispute over. The Fair Credit Reporting Act (FCRA) is a […]
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Attorney Larry Smith talks with TheRideShareGuy on Podcast

    Just last week, SmithMarco’s Larry Smith appeared on a podcast with TheRideShareGuy.com, Harry Campbell.  Harry has been hosting TheRideShareGuy.com for several years, focusing his interests on Rideshare Rights. The focus of this podcast was about drivers getting locked out of their work apps because of a false background check issued to their employer.  […]
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Credit Denials and Your Rights to Information

What do you do when you receive a letter from your creditor that informs you that your account is being closed or severely reduced?  It is a common misconception that if you pay your bills, a bank can’t close your account.  Banks and credit card companies have a great deal of latitude when it comes […]
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