Military personnel can add an Active Duty Alert

Dear Experian,

As a member of the Army currently overseas, what can I do to protect my credit? I heard something about placing an “active duty alert” on my credit that only allows credit to be opened if I directly approve.


Dear MCL,

Members of the armed forces on active duty can add an Active Duty Alert to their credit report to help protect themselves from fraud and identity theft.

An Active Duty Alert remains on the report for one year. It notifies creditors that you are a member of the U.S. military and that you are currently on active duty. An Active Duty Alert does not require a lender to contact you directly to get your approval before granting credit in your name, but it does enable them to take appropriate action to protect your identity. Each lender must determine what constitutes appropriate action for its particular business.

When you add an Active Duty Alert, your name is also removed from lists for preapproved offers for two years.

Thank you for your service to our country and thanks for asking.

- The “Ask Experian” team

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