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. 


You’re entitled to a free weekly credit report. Learn more about how to get your credit report

How to Submit a Request

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

Step 1: Write out the following details

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

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: Gather 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 Identity 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 833-982-4057 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: Submit your documents

If you need help or have questions about submitting your documents, please call us at 833-982-4057 and a representative can walk you through the process for submitting by mail or online. 

Submit by mail

After you gather the above documents, mail everything to our dedicated mailbox for trafficking survivors:
P.O. Box 159
Woodlyn, PA 19094

Submit online

After you gather the above documents, log in to the TransUnion Service Center to get started. If you don't have a user account, you can create one for free.

Once you’re logged in, select “Dispute” to begin. Then select any adverse account that is on your credit report as a result of the trafficking.

After you select the account(s), follow these steps: 

  1. On the account dispute page, when asked “Why are you disputing” the item, select the option that best matches the reason for your request. You will then be prompted to select a reason for the dispute. There is no specific option for adverse items that resulted from human trafficking, so select the reason you believe best applies to your situation. 
  2. If you want, you can add in an optional comment below this section. In the comment field, don't include comments that contain your human trafficking victim status, medical information, personally identifiable information (such as Social Security number) or abusive language.
  3. Next, at the bottom of the screen, look for the option “Do you want to upload documents related to this dispute?” Check the box next to “Yes” and then click “Save & Continue” to proceed to the Upload Supporting Documents page. This is an important part of the process and will allow you to upload your proof of identity, trafficking victim determination document, letter listing the adverse information you want to remove and any other documents to support your request. 

If the adverse information you are seeking to remove does not include at least one account, please do not use the website. Instead, follow the instructions above to submit your documents by mail or call us at 833-982-4057 for additional help.

What happens after you submit your request?

Your request will be processed within 4 business days of receipt of the information. You’ll receive further communication(s) about the status of your request, including whether we need additional documentation to process your request. If information is removed from your credit report, we'll provide you a free copy of your updated credit report. 


Additional Support

We’re here to help. You can call TransUnion Trafficking Victim Support Monday–Friday 8 a.m.–7 p.m. Eastern Time, excluding holidays.

Phone: 833-982-4057

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

Contact Equifax if adverse information appears on your Equifax credit report
Mail: Equifax Information Services, LLC
P.O. Box 105874
Atlanta, GA 30348
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 601
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 127
Woodlyn, PA 19094
TransUnion FactorTrust
Contact FactorTrust to remove adverse items of information on your FactorTrust credit report
Phone: 888-710-0268
Mail: P.O. Box 157
Woodlyn, PA 19094
TransUnion Datalink
Contact Datalink to remove adverse items of information from your Datalink driving record
Mail: P.O. Box 602
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 833-982-4057. We’re available Monday–Friday 8 a.m.–7 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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