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) |
|---|---|
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 |
|
Step 3: Mail your documents
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
| Phone: 833-240-3461
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
| Phone: 855-694-1555
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.
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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