What is an active duty alert and who benefits from it?

• A. A 6-month alert for veterans
• B. A 3-year alert for students
• C. A 1-year alert for service members on active duty
• D. A permanent alert for all consumers

Answer: (C)

Active Duty Alert protects service members by providing a one-year alert on their credit report, giving creditors extra steps to verify identity before opening new accounts. This reduces the risk of fraud while deployed or away from home, giving military personnel time to monitor their credit without suddenly facing unfamiliar new credit activity. The one-year duration is specific to those on active duty, and alerts can be extended if the service member remains deployed. The other options don’t fit because the protection is not limited to veterans for six months, not a three-year alert for students, and it isn’t a permanent alert for all consumers.