Which type of conviction can be included in a consumer report without a time limit?

Including felony convictions in a consumer report without a time limit aligns with the regulations set by the Fair Credit Reporting Act (FCRA). Under the FCRA, felony convictions are considered to be serious offenses that can be reported indefinitely. This is based on the understanding that felony convictions have a significant impact on an individual's character and can be relevant to decisions made by employers, lenders, and other entities when assessing an individual's trustworthiness and reliability.

In contrast, misdemeanor convictions have a reporting time limit, typically being retained for a maximum of seven years. Bankruptcy filings also have a specific reporting period, generally lasting for up to ten years, and judgments typically can be reported for seven years from the date they were entered. These time limits are set to ensure that outdated or less relevant information does not negatively impact an individual's ability to secure employment or credit in the long term.

Thus, the indefinite reporting of felony convictions is justified due to their serious nature and lasting implications on a consumer's background history.