We have an applicant who indicates they were victims of ID theft in 2006. at that time they filed a report with police.. It is now over 7 years and the fraud alert no longer appears on Credit Report... can they extend it?

2nd question, as there continues to be derogatory items on their report ..how do we treat them in terms of AAN since alert no longer appears?

I have not been able to find any guidance on credit bureau sites or in reg.

Help would be appreciated..