Seeking or Losing Credit – What Rights Do We Have?

As the economy continues to struggle through the pandemic, many consumers are experiencing credit loss.  Either their current creditors are deciding to discontinue the relationship or lower the line of credit, or people seeking to obtain new credit are being turned away.  Often times the consumer is frustrated as they believe their credit file or […]
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Re-insertion of Disputed Information on your Credit Report

Often, a consumer will dispute something on their credit report and successfully get undesirable information removed from their report. However, sometimes that item will get re-reported to the credit bureaus and re-inserted into credit reports.  Sometimes it’s the same creditor or collector, but sometimes, it happens when a third party buys the debt and begins reporting […]
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Auto Paying Your Accounts – Not Automatically Good

I’m not sure I am the first to say this, but I am certainly ready to start providing the advice that paying bills via autopay is NOT a good idea.  Certainly, the convenience and ease are attractive – set it up one time and never worry about paying your bills on time again.  Well, not […]
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Free Credit Reports During Covid-19 Period

The three main credit reporting agencies, Trans Union, Equifax and Experian, have banded together to provide consumers free credit reports while the coronavirus pandemic continues to threaten our economy.  This is, indeed, a generous proposition from the big three. The Fair Credit Reporting Act provides that everyone is entitled to one free view of the […]
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Covid-19 Update – Is Help on the Way?

We are now approaching a full month since most states have been issued stay-at-home orders.  During these past weeks, job loss rates have spike as business effected by the shut-down have been forced to lay off or furlough workers.  As for how this all affects each consumer economically, we are still looking for all the […]
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Consumer’s Guide to Surviving Covid-19 Setbacks

As the Covid-19 virus continues its spread until we reach that apex of the curve, many consumers are certainly starting to wonder, worry and even panic about how this will financially set them back.  Indeed, it is a very uncertain time right now, and more uncertainty lies ahead.  For many consumers who may be facing […]
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Jesse, MO

I thank you & David very much. I will definitely recommend people to you in the future. You helped me realize there are options & a person doesn’t need to feel bullied and/or helpless in these situations. Everything you guys have done has been more appreciated than I can express. I wish the best for […]
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Advice for Financial Setbacks Caused By Coronavirus

As the nation’s businesses shut down or slow down, the financial impact of the Covid-19 pandemic will certainly be widespread and drastic.  Millions of American workers will be temporarily without pay for extended periods.  Many will lose their jobs altogether.   What should the consumer know when faced with impending financial doom?  SmithMarco, P.C. wants to […]
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Your Credit Rights After Bankruptcy

Filing for bankruptcy is definitely not a spur of the moment decision.  A Chapter 7 filing is a large undertaking that involves much consideration and careful planning.  All of your debt is compared with your assets and you must decide whether or not you will be able to pay off what you owe and still […]
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Are Credit Monitoring Programs Worth While?

When it comes to monitoring your credit, accessing and reviewing your report could become a full time job.  Busy consumers may not have ample time to spend reviewing their credit files to ensure accuracy and compliance.  To fill this void, credit monitoring companies were introduced.  For a reasonable fee, many busy consumers are willing to […]
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