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If this is not the case, the optimum permitted reportable duration of California is seven years. We comply with all standards stated by the Fair Credit Reporting Act (FCRA), federal and state laws. Yes. Each candidate must finish and sign a release to remain in compliance with the Fair Credit Reporting Act (FCRA). 8. Are your procedures certified with the Fair Credit Reporting Act (FCRA)? It is a loan to assist bad credit individuals who want to acquire immediate money.