What types of negative information is generally not included in a consumer report under the FCRA?

Under the Fair Credit Reporting Act (FCRA), certain negative information has limitations on how long it can be reported. Specifically, bankruptcies can be reported for a maximum of ten years, while civil suits and judgments can typically be reported for up to seven years. This means that bankruptcies older than ten years and civil suits older than seven years are generally excluded from consumer reports.

This aligns with the FCRA’s intent to promote fair reporting practices and to ensure that consumers are not unfairly burdened by outdated negative information that no longer reflects their current creditworthiness. Consequently, option B correctly identifies the types of negative information that generally do not appear in a consumer report due to these time limitations, making it the accurate choice.