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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
What is the Credit Access and Inclusion Act?
In a society that runs on credit, Americans are consumed with having a perfect credit score. Without good credit, consumers aren’t eligible for favorable interest rates, low interest credit cards, mortgages, insurance and even employment. In an effort to help the vast majority of American consumers obtain credit, Congress has introduced The Credit Access and […]
Financial Challenges Facing College Graduates
For the next group of college graduates, the main concern post graduation is job and financial security. With surmounting student loans, credit card debt and never ending future expenses, financial independence seems next to impossible to obtain for graduates. According to experts, millennials, the population of individuals born between 1982 and 2004, live paycheck to […]