People Come First At Our Consumer Rights Law Firm
Social media is the interactive means of communication where you can share with your information, ideas, and self-expression with the world. It is a way to stay connected with people both near and far. But what you may not realize is that social media accounts may also be used to make lending decisions based on what you post and how…
Your credit history and credit report determine what you are financially eligible to receive in credit and loans. Knowing what is reported on your report and an awareness of the law will ensure you have the financial opportunities you are entitled to and worked so hard to get. The Fair Credit Reporting Act (“FCRA”) is the consumer statute that was…
Buying a new home is more than likely the biggest purchase you will make in your life. While experts say that nearly 1/3 of homeowners have no mortgage loan, the remaining 2/3 need to make sure their credit is in tip-top shape to get the best mortgage rates available to them. Mortgage companies are relying on consumer credit reports to…
Employers conducting background checks of employees or prospective employees need to be aware of the the Fair Credit Reporting Act (“FCRA”) and its protection of their consumer reports. In 2013, when the FCRA was amended, employers were given additional responsibility to obtain permission and to perform follow-up prior to requesting a consumer report. An employer must adhere to all of…
I had an issue with a background report which caused me to lose a career opportunity. I wasn’t exactly sure if I even had a case at first. After doing some searching, I came across SmithMarco’s website, protectingconsumerrights.com. This was probably the best thing a google search has ever brought me to. SmithMarco, P.C got me way more than I…