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FactorTrust Human Trafficking Survivor Resources

Reclaim Control of Your Credit

If you’re a survivor of human trafficking, you may have adverse items of information on your credit report as a result of the trafficking. We can help you through the process of removing that information. 

 

How to Submit a Request

If you see adverse items of information on your FactorTrust credit report that resulted from trafficking, you can take these steps to remove them.

Step 1: Write or print out the following details

To request the removal of adverse information from your FactorTrust credit report, you need to mail a letter with supporting documentation to FactorTrust.

In this letter, identify the adverse items of information that are on your credit report as a result of the trafficking. You can write the letter yourself, or you can use this sample letter from the Consumer Financial Protection Bureau.

Step 2: Provide proof of identity and trafficking victim determination documents

With your letter, you’ll also need to include proof of identity and a trafficking victim determination. A trafficking victim determination is documentation that you are a victim of trafficking issued or signed by a federal, state, local or tribal governmental entity.

Please only submit photocopies of documents that prove your identity. Examples of acceptable documents include:

Proof of Identification Documents (Provide 1)Trafficking Victim Determination Documents (Provide 1)
  • Driver's license
  • Government-issued ID
  • Passport
  • Utility bills
  • Social Security card
  • Birth certificate

If you can't provide proof of identity from one of the documents above, you can call us at 888-710-0268 to verify your identity over the phone

  • Certification letters issued by the Department of Health and Human Services (HHS)
  • Child eligibility letters (issued by HHS)
  • Continued presence (issued by HHS)
  • T Visas (issued by U.S. Citizenship and Immigration Services)
  • A bona fide T Visa application
  • U Visa with a Form I-918 Supplemental B indicating the victim experienced human trafficking
  • Restitution orders
  • Crime victim compensation
  • Criminal record relief court orders
  • Civil suit decisions related to human trafficking
  • Documents issued by state government agencies (such as Notice of Confirmation as a Human Trafficking Victim in NY State issued by the NY State's Office of Temporary and Disability Assistance)
  • Self-attestation signed by or with an accompanying document that includes a signature by a federal, state or tribal governmental entity; a non-governmental organization or human trafficking task force that is authorized by a governmental entity to make such a determination; consumer advocacy group or a court representative


Step 3: Mail your documents

After you gather the above documents, mail everything to our dedicated mailbox for trafficking survivors:
 
FactorTrust
P.O. Box 157
Woodlyn, PA 19094 
 
Your request will be processed within 4 business days of receipt of the information. We'll then mail you a statement confirming that we've completed our review. We’ll include an explanation of our final determination, or let you know if we need additional documentation to process your request. If information is removed, we'll send you a free credit report showing the revisions.

Additional Support

We’re here to help. You can call FactorTrust Trafficking Victim Support Monday–Friday 8:30 a.m.–5:30 p.m. Eastern Time, excluding holidays.

Phone: 888-710-0268

Here are more resources you can refer to as you work through this process: 

Equifax
 
Contact Equifax if adverse information appears on your Equifax credit report
 
Mail: Equifax Information Services, LLC
P.O. Box 105874
Atlanta, GA 30348
Experian
 
Contact Experian if adverse information appears on your Experian credit report

Phone: 888-397-3742

Mail: Experian
P.O. Box 1069
Allen, TX 75013
TransUnion Drivers History (DHI)
 
Contact DHI to remove adverse items of information related to your driving records or your driving history
 
Mail: P.O. Box 600
Woodlyn, PA 19094
TransUnion Rental Screening Solutions (TURSS)
 
Contact TURSS to remove adverse items of information related to criminal or eviction records 
Phone: 888-387-1750
 
Mail: P.O. Box 800
Woodlyn, PA 19094
TransUnion
 
Contact TransUnion to remove adverse items of information on your TransUnion credit report
Phone: 833-982-4057
 
Mail: P.O. Box 159
Woodlyn, PA 19094

Frequently Asked Questions

Information about human trafficking or any documentation you share with us will not be part of your credit report. If you choose to add a fraud alert to your credit report, information that you have been a victim of identity theft may be disclosed on your credit report.  

We understand this can be frustrating. However, if information still appears on your file, it may mean:

  • We’re still processing your request, which can take up to 25 business days.
  • We determined the information you provided was incomplete and further documentation or information is needed to process your request. We’re here to help if you have questions about what information you need to provide.

If you need more support, you can call us at 888-710-0268. We’re available Monday–Friday 8:30 a.m.–5:30 p.m. Eastern Time, excluding holidays.  

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

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