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What is the "Active Duty Military" dispute option?

Valued Contributor

What is the "Active Duty Military" dispute option?

I logged onto TU today to do an online dispute for an account that hasn't updated the balance since Sept 2010.  I saw "I am Active Duty Military" on the list of possible reasons why it was wrong as an option to check. 

 

What does this dispute reason mean?  I ask becuase my husband is currently deployed overseas and I'm wondering if this is something he should've done or can still do?  Does anyone on the forums know what this means or it's purpose is?  TIA


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
3 REPLIES
Epic Contributor

Re: What is the "Active Duty Military" dispute option?

I've never heard of an Active Duty Military Dispute.  There is an AD Alert your husband can put on his credit reports.

 

Placing an AD alert minimizes the likelihood of identity theft while he is deployed or away from his normal duty station.

 

Valued Contributor

Re: What is the "Active Duty Military" dispute option?

This is a provision in the FACT ACT.  Here is a link 

 

http://www.privacyrights.org/fs/fs6a-facta.htm#2b

 

 

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Valued Contributor

Re: What is the "Active Duty Military" dispute option?

Yeah, it was listed with other dispute options, "balance isn't correct", "not my account", "I'm active duty military".  I'd never seen that before.  I wasn't sure if it was the same as the alert. 

 

Thank you.


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16