Which option does the FACT Act provide for a service member deployed and unable to monitor their credit file?

• A. Having an active duty alert included in any consumer reports.
• B. Exemption from reporting
• C. An automatic credit freeze for one year
• D. A temporary credit limit increase

Answer: (A)

Having an active duty alert included in consumer reports is the protection designed for service members who are deployed and can’t monitor their credit. This alert signals lenders to take extra steps to verify the consumer’s identity before approving new credit or opening accounts in their name, which helps prevent fraudulent activity while they’re away. It’s specifically targeted to deployment situations and adds a layer of verification without delaying legitimate borrowing more than necessary. The alert lasts for about a year and can be renewed if deployment continues, making it a practical, temporary safeguard during active duty. Exempting from reporting, automatically freezing credit, or providing a temporary credit limit increase aren’t elements of the FACT Act protections for deployed service members, so those options don’t fit the scenario.