VA Form 21-0845 Warning 2026:
Your VA File Could Be Sold on the Dark Web for Hundreds of Dollars

Veterans Right to Choose is real — but you must choose wisely.

The VA now requires most Form 21-0845 submissions online. This form gives third parties broad access to your VA records, medical history, and benefits.

Serious Risks Most Veterans Don’t Know

Once signed, your sensitive VA data can be misused or sold. Complete veteran files with diagnoses and benefit amounts can fetch significant value on the dark web.

5 Real Ways Form 0845 Can Be Abused

1. Dark web sales — Complete VA files can sell for hundreds of dollars per record.
2. Creditors & divorce — Ex-spouses or debt collectors can see your exact VA payments.
3. Blackmail using medical info — Sensitive diagnoses can be weaponized.
4. Identity theft & fraud — Full access makes fraud much easier.
5. Ongoing access after you fire them — Many veterans forget to revoke the form.

Veterans Right to Choose — Choose Wisely

Accredited doesn’t always mean ethical, and non-accredited doesn’t always mean bad. What matters is **trust, transparency, and real credentials** (CPA, Certified Fraud Examiner, etc.).

Why veterans should be cautious here:
Accreditation matters because accredited representatives are bound by VA rules on fees and conduct. Before signing any 0845, read it in full and understand what authority you are granting and how to revoke it. Be cautious with referrals from friends who may be receiving a commission.