Volume 4, Edition 1, January 2008

Congratulations! You chose the correct answer.

The FCRA prohibits a CRA reporting arrest records that antedate a consumer report by more than seven years. 15 U.S.C. Sec. 1681 Some state laws also restrict when arrest records may be reported. Additionally, there are some state laws that prohibit an employer from using this information in making employment decisions; therefore, a CRA should determine if it wants to provide an employer or other end-user with information it may not be able to use by law.

Question #1

How far back should a consumer reporting agency report criminal arrest records?

a) 7 years according to the Fair Credit Reporting Act
b) As far as it wants
c) It depends on the state in which the applicant resides or works.
d) Both a and c


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