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
- 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:
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.