Team MicroWeb

As a member of the U.S. Military and away from your usual posting, you should consider placing an “Active Duty Alert” on your credit report. Thisalert will help to minimize your risk of identity theft while your deployed. A persons credit report containsthe most vital personal information, including your home address, how you pay your bills, whether you have been sued, arrested or filed for bankruptcy. It is routine for banks, insurers, employers, utility companies and businesses to use the information in your credit report to evaluate your application for a mortgage, credit card, car loan, cell phone and much more. With you away, perhaps on the other side of the world, identity thieves have a perfect opportunity to use your personal information to open new accounts in your name. The thieves will most probably not pay the bills and the hr consultants delinquent accounts show up inyour personal credit report. Fraudulent and inaccurate information may affect your ability to get a loan, rental housing, car insurance or credit card when you return to the U.S. or long after your return. This is why we suggest you place an active duty alert because according to the Federal Trade Commission, the alert requirescreditors and businessesto verify your identity before issuing credit or opening an account in your name. The active duty alert makes it much more difficult for the identity thief to use your personal information in an illegal way. The active duty alert will last for one year unless you ask to have it removed sooner. If your deployment exceeds one year you may place another alert. Amendments to the Fair Crediting Reporting Act allow you to place the active duty alert.