Best Credit Monitoring Services Of 2026 - Revision history

196.51.53.104 at 12:32, 24 June 2026

2026-06-24T12:32:06Z

← Older revision		Revision as of 12:32, 24 June 2026
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	Is Credit ~~Monitoring Worth It? The 60-Second Free~~ vs ~~Paid Test Is~~ credit ~~monitoring worth it? Use this 60~~-~~second free vs paid test~~ to ~~compare credit monitoring~~, ~~credit freezes~~, ~~fraud alerts~~, ~~identity~~ monitoring, one~~-bureau vs three-bureau coverage~~, and ~~free report~~<br><br>Free Credit Report and Score from ~~Equifax~~: ~~What's Free~~, ~~What's Missing~~, and ~~What to Check First~~ Free credit report and score from ~~Equifax~~ explained: ~~Equifax Core Credit~~, ~~VantageScore 3.0~~, ~~what's free, what's missing~~, when one bureau is not enough, errors, ~~disputes~~, and ~~paid-monitoring cautio~~<br><br><br>~~AARP offers its members an ID Protection service that includes credit monitoring~~. ~~Protect my ID is Experian's ID Protection offering that includes credit monitoring~~. ~~Scores are refreshed daily~~, ~~and membership includes~~ a ~~number~~ of ~~tools and resources. The upgraded membership includes full~~ report ~~access and enhanced monitoring~~. ~~Her past work includes articles~~ on ~~generational spending~~ and ~~saving habits, lending, budgeting and [https://www~~.~~creditbuilderstarterpack.shop Visit~~ LoanFlair~~] managing debt~~. ~~Credit monitoring alerts~~ you to ~~changes, while~~ a credit ~~freeze prevents new accounts from being opened using your credit profil~~<br><br><br>~~Zander is a good option~~ if ~~you want~~ identity theft protection~~, but don't want~~ to ~~break the bank~~. ~~Its Ultra family plan is~~ also ~~priced very competitively in~~ the ~~market, at~~ $~~40 per month, and is noticeably cheaper than Aura and LifeLock. Identity Guard really stands out for its family plan, which covers five adults and unlimited children even for its cheapest plan, at~~ $~~15 a mont~~<br><br>~~If you want extra bells~~ and ~~whistles~~, ~~such as identity theft~~ insurance and ~~dark web scans, you may have~~ to ~~pay anywhere from $10~~ to ~~$35 per month — or more if~~ you ~~want to protect multiple individual~~<br><br><br>~~But Aura offers up~~ to ~~$1 million in coverage for any adult covered on a family plan~~. ~~Parents also receive assistance in freezing their children~~'s ~~credit reports. All~~ the ~~benefits of~~ the ~~Kids plan are available on Aura's~~ family ~~plan~~. ~~This~~ service~~'s family plan uniquely covers five adults and unlimited childre~~<br><br><br>You ~~receive personalized support from a real person~~, ~~not a chat bot~~, ~~when you~~ need ~~it most~~. We have ~~real relationships with each of~~ the ~~major~~ credit ~~bureaus for real-time access to data~~. ~~Aura’s services may not provide the exact features we write about, nor may cover or protect against every type~~ of ~~crime~~, ~~fraud, or threat discussed in our articles. IdentityIQ offers decent protection~~ for ~~most people but lacks essential features that can leave~~ you and ~~your family vulnerable~~ to ~~fraud~~. ~~According to IdentityIQ~~, you ~~can cancel your service by contacting~~ the ~~company by phone to speak~~ with a ~~customer representative.~~ When ~~it comes~~ to ~~all~~-in-~~one protection~~, ~~it’s quite clear that Aura is a better option than IdentityI~~<br><br><br>~~For the price~~, ~~IDShield also packs quite~~ a ~~punch with its list~~ of ~~features~~. IdentityForce is a great in-between identity theft protection service for those deciding between Aura and LifeLock. LifeLock's family plans uniquely offer identity theft insurance to minors, which even our best overall service Aura doesn't. ~~Any Aura plan also~~ includes ~~perks like a virtual private network~~, ~~password manager~~ and ~~antivirus for up to 10 devices per adult~~. ~~A big pro for~~ Aura is that three credit bureau monitoring is available with any identity theft protection tier. Identity theft protection services are designed to act as an early warning system for your personal dat<br><br><br>In almost every case, it pays to get three-bureau credit monitoring and monthly reports, as you’ll have a better chance of catching instances of fraud sooner. Next, we’ll dig into IdentityIQ’s main features to see how IdentityIQ protects you — and where it falls short. The Secure Max plan is one of the most expensive options — especially when compared to other identity theft protection providers with similar or better coverage. VPN, antivirus software, and password manager (for an additional monthly cost). Three-bureau credit monitoring is only available on the more expensive Secure Pro and Secure Max plans. However, its lower-priced tiers offer limited levels of protection, which could leave you vulnerable to fraud and scam<br><br><br>After that, loan fraud claimed nearly 150,000 victims. Psychological stress is also very common for victims of ID theft. While it doesn’t offer unique identity monitoring features, its credit monitoring stood out for monitoring high-risk transactions. This Equifax-owned brand provides generous insurance coverage up to $~~2 million. Our identity and privacy experts tested more than 20 services that offer identity protection. From 2020 to 2024, losses from online scams jumped from under $4~~ million to over $16 million yearly.1 Personal data breaches and identity theft are at the top of the lis<br><br><br>As the price increases, so does the number of features and benefits. We accessed our dashboard through the IdentityIQ website. But if you’re serious about protection, this trade-off is worth considering. Yes, it’s time-consuming and requires significant trust in ~~their security measure~~		Credit Report vs Credit Score: Check the File Before You Trust the Number Credit report vs credit score explained: what each shows, why lender scores differ, hard vs soft inquiries, line-by-line report checks, score-drop clues, and what to review before applyin<br><br><br>Sharing regular updates and progress reports helps to maintain accountability, foster collaboration, and motivate continued progress towards financial goals. Involving family members, business partners, or other stakeholders in the monitoring process helps to ensure that everyone is aware of the financial plan and committed to its success. Regularly reviewing and updating estate planning documents helps to ensure that they continue to reflect one's wishes and account for changes in personal circumstances or tax laws. Regular monitoring can help identify areas where the financial plan may be underperforming or where adjustments may be needed to better align with financial goals. As part of the monitoring process, it is essential to identify areas of improvement and make necessary adjustments to the financial pla<br><br>Free Credit Report and Score from Experian: FICO Score 8, No Card, and 3-Bureau Gaps Free credit report and score from Experian explained: FICO Score 8, no credit card required, who it is best for, when one bureau is not enough, lender-score differences, errors, Boost, Premium, and all 3 bureau<br><br><br>But before you pay for a report, always check to see if you can get a copy for free from AnnualCreditReport.com. Yes, if you don’t qualify for a free report, a credit bureau may charge you a reasonable amount for a copy of your report. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports. You must answer these questions for each credit LoanFlair official site bureau, even if you’re asking for your credit reports from each credit bureau at the same time. They’ll ask you some questions that only you would know, like the amount of your monthly mortgage payment. Under federal law, you’re entitled to a free credit report <br><br><br>Of those 20, 10 made it to the testing stage after passing the eye test, based on features and overall value based on price. It's not guaranteed, but if new alerts occur during testing, we also take that into consideration in our testing. Not every identity theft protection service will extend protections like insurance to your children. Higher tier plans might also include higher identity theft insurance -- bumping the standard $1 million to $2 million or mor<br><br><br>Budgeting involves creating a detailed plan for allocating income and expenses to ensure that [https://www.creditbuilderstarterpack.shop LoanFlair official site] financial goals are met. This crucial aspect of personal finance management ensures that individuals and families can meet their financial goals, adapt to changes in their circumstances, and make informed decisions about their financial future. EDIE EDIE lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor's accounts-what's insured and what portion (if any) exceeds coverage limits at that bank. Learn how to calculate your debt-to-income ratio and how it impacts you when borrowing mone<br><br><br>We also test the most expensive tier available so that we can access all features. Not every identity theft protection service will extend protections like insurance to your children. If it's just you, the individual plans will be your best bet, but if you're looking for wider coverage, take a look at the family plans. But the benefit of having an identity theft protection service is knowing that work is being done for yo<br><br><br>You can monitor all of these things yourself, for free, but automating that process could be worth the money. You'll typically need to pay to unlock 401k monitoring, title monitoring and social media monitoring. However, you'll have to pay more for these services beyond the standard dark web and credit report monitoring. If a company offers monitoring of multiple aspects of your personal information, it's less for you to have to track on your own and easier to catch any issues that arise. IDShield and LifeLock's base individual plans also offer more identity theft LoanFlair official site insurance coverage. With Aura (our best overall pick), you get all of the above services and more included with all plan<br><br>When Does a Credit Card Company Report to the Credit Bureau? Statement Dates Matter When does a credit card company report to the credit bureau? Learn statement balance vs current balance, reporting dates, due dates, mid-cycle updates, late-payment reporting, utilization timing, and how to lower the balance lenders se<br><br><br>With a subscription, you receive a good mix of the unique services that LifeLock offers, but pay monthly or LoanFlair official site yearly fees that are closer to Aura's price point. IdentityForce is a great in-between identity theft protection service for those deciding between Aura and LifeLock. LifeLock's family plans uniquely offer identity theft insurance to minors, which even our best overall service Aura doesn't. This includes dark web monitoring, data breach notifications and Social Security number alerts. But Aura offers up to $1 million in coverage for any adult covered on a family pla

198.20.181.187 at 12:10, 23 June 2026

2026-06-23T12:10:39Z

← Older revision		Revision as of 12:10, 23 June 2026
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	Credit ~~freezes provide the strongest available defense against new account fraud, backed by federal law that cannot be changed by commercial decisions. Credit locks are commercial services offered by~~ credit ~~bureaus that function similarly~~ to ~~freezes but operate under private service agreements rather than federal law. Online freeze lifts are virtually instantaneous~~, ~~while phone requests are completed within one hour. To apply for new~~ credit, ~~you simply lift the freeze temporarily using your PIN. Credit card~~ fraud ~~remains the most common form of~~ identity ~~theft~~, ~~accounting for nearly 44% of all reported cases. In 2024~~, ~~the Federal Trade Commission received over 1.1 million identity theft reports—a 9.5% increase from the previous yea~~<br><br>~~<br>Your credit scores can fluctuate~~, and ~~it’s important~~ to ~~know where you stand. We scan suspected fraudulent websites~~ and ~~alert you if we find your family’s Social Security~~, ~~credit card, debit card, banking, medical ID, or passport numbers~~. ~~These alerts go nationwide~~, ~~so you can rest easy knowing that your child is safe no matter~~ what ~~state~~, ~~city~~, ~~or town you live in. This feature could easily pay for itself a thousand times over if anyone in your family~~ is ~~targeted. We always recommend plans that offer triple-bureau credit monitoring, financial account alerts, and dark web scanning. Meanwhile, Aura, Identity Guard~~, ~~Experian IdentityWorks~~, ~~Allstate Identity Protection, IdentityForce~~, and ~~Zander offer extensive family~~-~~focused features worth evaluatin~~<br><br><br>~~Unlike a~~ credit ~~freeze~~, ~~it doesn’t block access to your credit report but instead adds an extra layer~~ of ~~security to help monitor~~ and ~~defend your identity~~ and ~~information~~. ~~A fraud alert is a notification system that warns creditors~~ and ~~lenders to take extra precautions when verifying your identity~~. ~~Like when you freeze~~ Visit LoanFlair ~~your report,~~ you ~~can request~~ to ~~lift~~ a freeze ~~online, by phone or by mai~~<br><br><br>~~You can access this by logging into Credit Journey and clicking~~ the ~~"Alerts" tab~~. ~~For~~ $~~19.95~~ per month, ~~you can know where you stand with access to your 3-bureau credit report~~. ~~It's~~ a ~~good idea to combine credit monitoring with other protective measures~~, such as ~~security freezes~~ and ~~fraud alerts~~, to ~~help best protect yourself. Monitoring your credit reports only lets you know when fraud might be occurring—it doesn't, on its own, generally stop the fraud~~ from ~~occurring. Credit monitoring services keep an eye on key changes~~ to ~~your credit report, and~~ you ~~can set it~~ up ~~so you receive email or text notifications whenever~~ a ~~key change occurs~~. ~~You can then review those~~ credit reports ~~for any suspicious activit~~<br><br><br>If you ~~make the request by mail,~~ the credit ~~bureau must place or lift~~ the ~~freeze within three business days. We hear a lot~~ about ~~credit — credit reports~~, ~~credit scores~~, ~~credit freezes~~, ~~credit monitoring~~. ~~Placing a security freeze on~~ your ~~credit reports will not prevent your receiving pre-screened credit card or insurance offers, because [https://www~~.~~creditbuilderstarterpack.shop Visit LoanFlair] security freezes generally only prevent hard inquiries in response~~ to ~~an application for credit. A security freeze~~, ~~also known as~~ a ~~credit freeze~~, is ~~one way you can help protect your personal information against fraud or identity thef~~<br><br><br>~~You can even tack on credit score boosting features and AI finance tools.~~ For the price, IDShield also packs quite a punch with its list of features. LifeLock's family plans uniquely offer identity theft insurance to ~~Visit LoanFlair~~ minors, which even our best overall service Aura doesn'~~<br><br><br>We recommend the service~~ for ~~people who want hands-off protection that you don’t have~~ to ~~manage~~. ~~That’s a~~ big ~~plus~~ for ~~large households~~ that ~~want~~ identity theft protection. ~~Social media account takeover could mean you lose access~~ to ~~photos and messages you have saved. With up to $1 million in insurance per adult, along with U.S.-based professionals, Identity Guard is~~ an ~~excellent choice~~ for ~~many senior~~<br><br>What Is a Good Credit Score? Know the Range Before You Apply What is a good credit score? Learn if 670, 700, or 740 is good, good vs excellent ranges, FICO vs VantageScore, red flags, and what to check before applyin<br>~~<br>What Affects Your Credit Score? Why It Dropped and What~~ to ~~Fix First What affects your~~ credit ~~score? See the 5 biggest score factors~~, ~~why scores drop~~, ~~what hurts fastest, what~~ to ~~fix before applying,~~ and when ~~monitoring helps you catch changes earlie<br><br>Credit Monitoring Alerts Explained: What~~ to ~~Check Before You Panic Credit monitoring alerts explained: hard vs soft inquiry~~, ~~new account, late payment, personal information change, balance, score, collection, delayed alerts, missing alerts, freezes~~, and ~~what to do nex<br><br>How Long Before a Collection Agency Reports to the Credit Bureau? Act Fast How long before a collection agency reports to the~~ credit ~~bureau? Learn~~ the ~~first 48 hours~~, 30-~~day dispute window, reporting rules, wrong amounts, duplicate collections~~, and ~~how to act before it hits your credi~~<br><br><br>A fraud ~~alert can be a good idea if you are a victim~~ of identity ~~theft or fraud or are on active duty~~, ~~as this can help further protect your~~ credit. ~~You may also want~~ to ~~freeze your credit if you suspect you are a victim of~~ identity ~~theft or fraud or you’re at high risk of personal information exposure~~. ~~To remove a fraud alert~~, ~~you usually have~~ to ~~contact each credit bureau individually~~. ~~For initial fraud alerts~~ and ~~active-duty alerts~~, ~~this will extend~~ the ~~alert for one additional year~~. ~~Note you can request a renewal of an existing fraud alert up to 3 months before it’s set to expire~~. ~~Decide which type of fraud alert~~ is ~~applicable to your situation (initial~~, ~~extended or active duty)~~ and ~~be prepared to supply personal information and supporting documents if necessar~~		Is Credit Monitoring Worth It? The 60-Second Free vs Paid Test Is credit monitoring worth it? Use this 60-second free vs paid test to compare credit monitoring, credit freezes, fraud alerts, identity monitoring, one-bureau vs three-bureau coverage, and free report<br><br>Free Credit Report and Score from Equifax: What's Free, What's Missing, and What to Check First Free credit report and score from Equifax explained: Equifax Core Credit, VantageScore 3.0, what's free, what's missing, when one bureau is not enough, errors, disputes, and paid-monitoring cautio<br><br><br>AARP offers its members an ID Protection service that includes credit monitoring. Protect my ID is Experian's ID Protection offering that includes credit monitoring. Scores are refreshed daily, and membership includes a number of tools and resources. The upgraded membership includes full report access and enhanced monitoring. Her past work includes articles on generational spending and saving habits, lending, budgeting and [https://www.creditbuilderstarterpack.shop Visit LoanFlair] managing debt. Credit monitoring alerts you to changes, while a credit freeze prevents new accounts from being opened using your credit profil<br><br><br>Zander is a good option if you want identity theft protection, but don't want to break the bank. Its Ultra family plan is also priced very competitively in the market, at $40 per month, and is noticeably cheaper than Aura and LifeLock. Identity Guard really stands out for its family plan, which covers five adults and unlimited children even for its cheapest plan, at $15 a mont<br><br>If you want extra bells and whistles, such as identity theft insurance and dark web scans, you may have to pay anywhere from $10 to $35 per month — or more if you want to protect multiple individual<br><br><br>But Aura offers up to $1 million in coverage for any adult covered on a family plan. Parents also receive assistance in freezing their children's credit reports. All the benefits of the Kids plan are available on Aura's family plan. This service's family plan uniquely covers five adults and unlimited childre<br><br><br>You receive personalized support from a real person, not a chat bot, when you need it most. We have real relationships with each of the major credit bureaus for real-time access to data. Aura’s services may not provide the exact features we write about, nor may cover or protect against every type of crime, fraud, or threat discussed in our articles. IdentityIQ offers decent protection for most people but lacks essential features that can leave you and your family vulnerable to fraud. According to IdentityIQ, you can cancel your service by contacting the company by phone to speak with a customer representative. When it comes to all-in-one protection, it’s quite clear that Aura is a better option than IdentityI<br><br><br>For the price, IDShield also packs quite a punch with its list of features. IdentityForce is a great in-between identity theft protection service for those deciding between Aura and LifeLock. LifeLock's family plans uniquely offer identity theft insurance to minors, which even our best overall service Aura doesn't. Any Aura plan also includes perks like a virtual private network, password manager and antivirus for up to 10 devices per adult. A big pro for Aura is that three credit bureau monitoring is available with any identity theft protection tier. Identity theft protection services are designed to act as an early warning system for your personal dat<br><br><br>In almost every case, it pays to get three-bureau credit monitoring and monthly reports, as you’ll have a better chance of catching instances of fraud sooner. Next, we’ll dig into IdentityIQ’s main features to see how IdentityIQ protects you — and where it falls short. The Secure Max plan is one of the most expensive options — especially when compared to other identity theft protection providers with similar or better coverage. VPN, antivirus software, and password manager (for an additional monthly cost). Three-bureau credit monitoring is only available on the more expensive Secure Pro and Secure Max plans. However, its lower-priced tiers offer limited levels of protection, which could leave you vulnerable to fraud and scam<br><br><br>After that, loan fraud claimed nearly 150,000 victims. Psychological stress is also very common for victims of ID theft. While it doesn’t offer unique identity monitoring features, its credit monitoring stood out for monitoring high-risk transactions. This Equifax-owned brand provides generous insurance coverage up to $2 million. Our identity and privacy experts tested more than 20 services that offer identity protection. From 2020 to 2024, losses from online scams jumped from under $4 million to over $16 million yearly.1 Personal data breaches and identity theft are at the top of the lis<br><br><br>As the price increases, so does the number of features and benefits. We accessed our dashboard through the IdentityIQ website. But if you’re serious about protection, this trade-off is worth considering. Yes, it’s time-consuming and requires significant trust in their security measure

198.20.181.161: Created page with "Credit freezes provide the strongest available defense against new account fraud, backed by federal law that cannot be changed by commercial decisions. Credit locks are commercial services offered by credit bureaus that function similarly to freezes but operate under private service agreements rather than federal law. Online freeze lifts are virtually instantaneous, while phone requests are completed within one hour. To apply for new credit, you simply lift the freeze te..."

2026-06-21T18:45:54Z

Created page with "Credit freezes provide the strongest available defense against new account fraud, backed by federal law that cannot be changed by commercial decisions. Credit locks are commercial services offered by credit bureaus that function similarly to freezes but operate under private service agreements rather than federal law. Online freeze lifts are virtually instantaneous, while phone requests are completed within one hour. To apply for new credit, you simply lift the freeze te..."

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Credit freezes provide the strongest available defense against new account fraud, backed by federal law that cannot be changed by commercial decisions. Credit locks are commercial services offered by credit bureaus that function similarly to freezes but operate under private service agreements rather than federal law. Online freeze lifts are virtually instantaneous, while phone requests are completed within one hour. To apply for new credit, you simply lift the freeze temporarily using your PIN. Credit card fraud remains the most common form of identity theft, accounting for nearly 44% of all reported cases. In 2024, the Federal Trade Commission received over 1.1 million identity theft reports—a 9.5% increase from the previous yea Your credit scores can fluctuate, and it’s important to know where you stand. We scan suspected fraudulent websites and alert you if we find your family’s Social Security, credit card, debit card, banking, medical ID, or passport numbers. These alerts go nationwide, so you can rest easy knowing that your child is safe no matter what state, city, or town you live in. This feature could easily pay for itself a thousand times over if anyone in your family is targeted. We always recommend plans that offer triple-bureau credit monitoring, financial account alerts, and dark web scanning. Meanwhile, Aura, Identity Guard, Experian IdentityWorks, Allstate Identity Protection, IdentityForce, and Zander offer extensive family-focused features worth evaluatin Unlike a credit freeze, it doesn’t block access to your credit report but instead adds an extra layer of security to help monitor and defend your identity and information. A fraud alert is a notification system that warns creditors and lenders to take extra precautions when verifying your identity. Like when you freeze Visit LoanFlair your report, you can request to lift a freeze online, by phone or by mai You can access this by logging into Credit Journey and clicking the "Alerts" tab. For $19.95 per month, you can know where you stand with access to your 3-bureau credit report. It's a good idea to combine credit monitoring with other protective measures, such as security freezes and fraud alerts, to help best protect yourself. Monitoring your credit reports only lets you know when fraud might be occurring—it doesn't, on its own, generally stop the fraud from occurring. Credit monitoring services keep an eye on key changes to your credit report, and you can set it up so you receive email or text notifications whenever a key change occurs. You can then review those credit reports for any suspicious activit If you make the request by mail, the credit bureau must place or lift the freeze within three business days. We hear a lot about credit — credit reports, credit scores, credit freezes, credit monitoring. Placing a security freeze on your credit reports will not prevent your receiving pre-screened credit card or insurance offers, because [https://www.creditbuilderstarterpack.shop Visit LoanFlair] security freezes generally only prevent hard inquiries in response to an application for credit. A security freeze, also known as a credit freeze, is one way you can help protect your personal information against fraud or identity thef You can even tack on credit score boosting features and AI finance tools. For the price, IDShield also packs quite a punch with its list of features. LifeLock's family plans uniquely offer identity theft insurance to Visit LoanFlair minors, which even our best overall service Aura doesn' We recommend the service for people who want hands-off protection that you don’t have to manage. That’s a big plus for large households that want identity theft protection. Social media account takeover could mean you lose access to photos and messages you have saved. With up to $1 million in insurance per adult, along with U.S.-based professionals, Identity Guard is an excellent choice for many senior What Is a Good Credit Score? Know the Range Before You Apply What is a good credit score? Learn if 670, 700, or 740 is good, good vs excellent ranges, FICO vs VantageScore, red flags, and what to check before applyin What Affects Your Credit Score? Why It Dropped and What to Fix First What affects your credit score? See the 5 biggest score factors, why scores drop, what hurts fastest, what to fix before applying, and when monitoring helps you catch changes earlie Credit Monitoring Alerts Explained: What to Check Before You Panic Credit monitoring alerts explained: hard vs soft inquiry, new account, late payment, personal information change, balance, score, collection, delayed alerts, missing alerts, freezes, and what to do nex How Long Before a Collection Agency Reports to the Credit Bureau? Act Fast How long before a collection agency reports to the credit bureau? Learn the first 48 hours, 30-day dispute window, reporting rules, wrong amounts, duplicate collections, and how to act before it hits your credi A fraud alert can be a good idea if you are a victim of identity theft or fraud or are on active duty, as this can help further protect your credit. You may also want to freeze your credit if you suspect you are a victim of identity theft or fraud or you’re at high risk of personal information exposure. To remove a fraud alert, you usually have to contact each credit bureau individually. For initial fraud alerts and active-duty alerts, this will extend the alert for one additional year. Note you can request a renewal of an existing fraud alert up to 3 months before it’s set to expire. Decide which type of fraud alert is applicable to your situation (initial, extended or active duty) and be prepared to supply personal information and supporting documents if necessar