Final answer:
The command to change default permissions for files and directories at creation is Umask.
Step-by-step explanation:
The correct command to change default permissions for files and directories at the time of creation is Umask.
Umask is a command that sets the default permissions for new files and directories created by a user. It is used to modify the default permission bits that are set when a new file or directory is created.
For example, if the umask value is set to 022, it means that new files will have permissions of 644 (readable and writable by the owner, and readable by others) and new directories will have permissions of 755 (readable, writable, and searchable by the owner, and readable and searchable by others).