If a user has more than one type of authentication credential, multifactor authentication of authentication is being used.
What do you mean by authentication credential?
Authentication credential means any data (such as a PIN, digital certificate, or password) as well as device (such as a smart card or other security token) that is issued or assigned to an individual as well as system from time to time and is used by Fannie Mae to authenticate the identity and/or authority of that individual or system for the purposes of facilitating access to the Licensed Application when presented by that individual or system.
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