Arrest Records
The FCRA prohibits consumer reports to include arrest records beyond a 7-year period.[1]
The 7-year period begins on the date the person was charged, not the date of dismissal.[2]
Convictions
The FCRA allows consumer reports to include convictions within the individual’s lifetime.[3]
Although, the following 9 States have reduced this to 7 years:
- California[4]
- Kansas
- Maryland
- Massachusetts
- Montana
- New Hampshire
- New Mexico
- New York
- Washington
Non-Convictions
Under FCRA, a non-conviction may appear in a consumer report but is limited to 7 years.
Although, the following 4 States have prohibited non-convictions:
- California[5]
- Kentucky
- New Mexico
- New York