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www.aerotechnews.com/ntcfortirwin 5High Desert Warrior
November 6, 2015
Legal
Active duty alerts help
protect your identity
By Jessaka Menzie-Kwakye a personal representative to place one on
your behalf. The active duty alert lasts for at
Legal Assistance Office least 12 months. If you receive an extended
deployment, you can place another alert after
If you expect to deploy or to be away from the first one expires. The alert can be added or
your usual duty station and do not expect to cancelled at any time by the servicemember or
seek new credit, consider placing an “active personal representative by contacting one of
duty alert” on your credit report. the three credit reporting agencies.
An active duty alert requires creditors to Credit Reporting Agencies: Equifax,
verify your identity before granting credit in (800) 525-6285, www.equifax.com; Ex-
your name. The alert may specify a telephone perian, (888) 397-3742, www.experian.
number for identity verification purposes. This com, and; Trans Union, (800) 680-7289,
measure of protection is excellent to guard www.transunion.com.
against someone using your personal informa-
tion and identity in fraud or theft. When you place an alert, you will be
removed from credit reporting companies’
The active duty alert is part of the Fair marketing list for pre-screened credit or insur-
and Accurate Credit Transaction Act of 2003 ance for two years, unless you request to be
(FACTA), which added new sections to the put back on the list early.
Fair Credit Reporting Act. The new sections
intend to help servicemembers fight the grow- If you have questions concerning this mat-
ing crime of identity theft. Congress designed ter, call the Fort Irwin Legal Assistance Office
the active duty alert to protect servicemembers for an appointment at 380-5321. Hours of
in locations where they are unlikely to apply operation are Monday through Friday, 8:30
for credit or monitor their financial accounts. a.m. - 4 p.m., Thursdays 1-4 p.m. The office
is located on C Avenue in building 230, across
Under FACTA, you may place an active from the garrison headquarters.
duty alert on your credit report or designate
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