How long is the extended fraud alert valid?

• A. One year
• B. Five years
• C. Ten years
• D. Seven years

Answer: (D)

Extended fraud alert provides longer protection on your credit file after identity theft is reported. It remains in place for seven years, giving lenders extra checks before issuing new credit. This longer duration helps deter new fraudulent accounts while you work through recovery. In contrast, a standard initial fraud alert lasts one year, and there aren’t five- or ten-year options for the extended alert. So seven years is the correct duration.