According to FCRA guidelines there is no
limitation as to the length of time investigated in an applicant's
past unless the applicant earns less than $75,000 a year. These
reports can only contains adverse information for the past seven
If a consumer reporting agency or user of
such information willfully fails to comply with
any FCRA requirements, the Consumer Reporting Agency and its agents
are responsible to the subject of the report. NCIC/BCI
complies with all the regulations set forth by the FCRA. Because
we process hundreds of reports each day we help you stay in compliance
with the applicable laws. (NCIC/BCI has not had a report
challenged in the last 8 years.)
In addition, any individual who knowingly
and willfully obtains information from a consumer reporting agency
under false pretenses will be fined not more than $5,000 and imprisoned
not more than one year or both.
NCIC/BCI complies with and supports all
provisions of the Fair Credit Reporting Act (FCRA). We
urge all employers to review its restrictions and requirements.
The Act's citation is Public Law 91-508, Title 15, U.S.C. Sections
1681, et seq. Please note, particularly, the Permissible Purposes
of Reports, as well as requirements on Users of Consumer Reports
and Obtaining Information Under False Pretenses.