How long does the "military active-duty alert" remain on a military consumer's credit bureau?

The "military active-duty alert" remains on a military consumer's credit bureau for 1 year. This alert is a consumer protection measure that helps military personnel safeguard their credit while they are on active duty. It serves as a flag to creditors that the individual may be experiencing unique circumstances due to their military service, which can make them more vulnerable to fraud or identity theft.

By placing this alert on a credit report, it informs creditors to take extra steps to verify the identity of the service member before granting credit. The length of 1 year strikes a balance, allowing sufficient time for military personnel to manage their financial affairs while they are deployed, while also providing limited protection that requires renewal after a set period. This is designed to ensure that the consumer’s credit report remains current and that any potential risks associated with the changes in their status can be reassessed regularly.