How long must an active duty alert remain in a consumer's file after it is requested?

Prepare for the Fair Credit Reporting Act (FCRA) Test with targeted questions and explanations. Hone your understanding of FCRA regulations and principles. Ace your exam confidently!

An active duty alert must remain in a consumer's file for 12 months after it is requested. This is a critical provision established under the Fair Credit Reporting Act (FCRA) designed to help protect service members from identity theft while they are on active duty. By placing an active duty alert in their credit reports, it ensures that creditors take additional steps to verify the identity of the consumer before issuing credit, minimizing the risk of fraudulent activity during their absence. The 12-month duration allows service members to have an extended period of protection without needing to renew the alert frequently.

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