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Information excluded from consumer reports further include: Arrest records more than 7 years old. Items of adverse information, except criminal convictions older than 7 years.

A consumer report is a report prepared by a CRA that includes information on an applicant's or employee's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and is used or expected to be used for employment purposes.

Investigative consumer reports contain information on an individual that is not in their credit report, including their "character, general reputation, personal characteristics, or mode of living" and are most often used by employers to check on job applicants.

They can include information from a variety of sources, including credit reports and criminal records. When you use consumer reports to make employment decisions, including hiring, retention, promotion or reassignment, you must comply with the Fair Credit Reporting Act (FCRA).

A consumer report can contain a wide variety of information including credit history, past bankruptcy, judicial records, employment records, and even online activity. This information can only be accessed with approval from the individual and is highly regulated by the Fair Credit Reporting Act (FCRA).