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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How Bankruptcy Affects Your Credit Report

There is a lot of confusion surrounding how a bankruptcy affects a credit report. Many believe that the idea of a “fresh start” is supposed to mean that one’s credit should improve after bankruptcy. However, declaring bankruptcy and defaulting on payment obligations should cause a great deal of harm to one’s credit standing. Below we will explore how a bankruptcy […]
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Credit Bureaus Extend Free Reports During Pandemic

Good news for consumers. ICYMI CDIA and the Big Three credit bureaus announced they are extending free weekly credit reports at https://link.edgepilot.com/s/ca08fc70/c2kzDnTgJ0G7i7gDYEltGg?u=http://www.annualcreditreport.com/ for an additional year until April 20, 2022. https://link.edgepilot.com/s/de4c85fa/iKHOOxgS7k2JJdhHeqj7Vg?u=https://www.cdiaonline.org/equifax-experian-and-transunion-announce-extension-of-free-weekly-credit-reports-to-help-americans-during-covid-19/ Again, instead of one per year, consumers can now receive one per WEEK. Continue to check your credit report and contact SmithMarco, P.C. if […]
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Good Morning America Reports Record Number of Credit Report Errors

This morning on Good Morning America, it was reported that a record number of Americans are reporting errors on their credit reports.  It was quite an eye opening piece.  If you have not seen it, watch here.   A big part of the problem is the manner in which creditors are reporting accounts affected by the […]
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