FCRA Obsolete Information (Reporting Time Limits) 15 U.S.C. § 1681c
Bars CRAs from reporting bankruptcies older than 10 years and most other adverse items older than 7 years. Sets the reporting timeline limits consumers commonly cite in disputes.
Key provisions
- 10-year bankruptcy limit
- 7-year limit for collections, judgments, and most adverse items
- Paid tax lien and arrest-record limits
Query this statute via API
Royal Ruby returns structured citations, plain-English summaries, reporting timelines, and statutes of limitations for this and related statutes. $0.05 per call, USDC on Base mainnet via x402 — no API keys, no signup.
curl -X POST https://royal-ruby-x402.fly.dev/api/law-lookup \
-H 'Content-Type: application/json' \
-d '{"topic": "FCRA Obsolete Information", "statute": "15 U.S.C. § 1681c"}'
# -> 402 challenge: $0.05 USDC on Base (eip155:8453), payTo 0x9b8a...f72f
# Settle with any x402 client (@x402/fetch, MCP x402 tools), replay with payment header.
Full background and the service fleet: RAEN blog — Live x402 Agent APIs. Information only — not legal advice.