Employers and Landlords must abide by FCRA when taking adverse action against an applicant based on their Background Check therefore our Reports are FCRA compliant and will only report per the guidelines below.

However, if you are ordering a report on yourself or someone else for Investigative purposes (ie. Law Suit, Collections, Check out a Sub Contractor etc..) then we can provide a NON FCRA (NOT FCRA COMPLIANT) Report which will report all available (beyond the FCRA Time Limit) civil records found via the courts public records . You must inform us that you need a NON FCRA Civil Records Report (this does not apply to Credit Reports).

This means that any information on a **** NON-FCRA ****report CANNOT be used to deny employment or tenant leasing.

Reports that can ONLY be ordered as NON-FCRA:

* Bankruptcy, Liens and Judgments Check

* Civil Judgments Check

NOTE:  Your report will be labeled as **** NOT FCRA COMPLIANT ****

Per FCRA, CIVIL RECORDS for EMPLOYMENT or TENANT LEASING can only be reported per the guidelines below.

Accurate negative information generally can be reported for seven years, but there are exceptions:

  1. Bankruptcy information can be reported for 10 years;
  2. Information reported because of an application for a job with a salary of more than $20,000 has no time limitation;
  3. Information reported because of an application for more than $50,000 worth of credit or life insurance has no time limitation;
  4. Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer; and
  5. Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.
  6. Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.(
  7. Tax liens stay on 7 years from the date PAID.

Exempted Cases - The provisions of subsection (a) of this section are not applicable in the case of any consumer credit report to be used in connection with:

(1) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more;

(2) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $150,000 or more; or

(3) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $75,000, or more.