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. 

On this page:

How to Submit a Request
What Happens After You Submit a Request
Contact Information
Frequently Asked Questions

 

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

How to submit a request

You may be eligible to remove adverse items on your credit report that resulted from human trafficking if you experienced either of the following:

  • Sex trafficking: You were recruited, transported, solicited or harbored for the purpose of a commercial sex act or you were induced into a commercial sex act by force, fraud or coercion
  • Labor trafficking: You were transported or harbored by force or fraud for slavery, debt bondage or involuntary servitude

To remove trafficking-related information from your credit report, you’re required to submit certain documents. You can submit these documents by mail or online. If you submit by mail, please only submit photocopies of documents. Do not send originals, as they cannot be returned to you.

You’ll need to submit the following:

Proof of your identity (Provide 1)

  • Driver's license
  • Passport
  • Social Security card
  • Birth certificate
  • Government issued identification card
  • Utility bill

If you can't provide proof of identity from one of the documents listed, you can call us at 833-982-4057 to verify your identity over the phone.

Proof of being a victim of trafficking (Provide 1)

A determination that you were a victim of trafficking may take several forms. It may include documents issued and signed by courts or from federal, local or tribal governmental entities. This document is sometimes called a “Trafficking Victim Determination”.

 

Non-governmental organizations (NGOs) or human trafficking task forces may be able to provide documentation of your status as a victim of trafficking.

 

You may also self-attest as a victim of human trafficking. This means that you create your own document that declares yourself a victim of human trafficking. This document still must be signed by a representative from a governmental entity, court, authorized NGO or human trafficking task force.

A list of information to remove

You must identify the adverse information on your credit report that resulted from trafficking. The sections of your credit report that may apply include personal information, accounts, collections and bankruptcy, and inquiries.

 

You can use this sample letter from the Consumer Financial Protection Bureau. If you submit your request online, you will have an opportunity to create this list online in the TransUnion Service Center.

 

Keep in mind this process is only for removing adverse information resulting from human trafficking. For other credit report information, please use the dispute center in the TransUnion Service Center.

 

If you need to review your TransUnion credit report, you can do that in the TransUnion Service Center.

Submit your request by mail or online

Once you have the required items, send them to TransUnion in one of the following ways:

 

Submit online

Log in to the TransUnion Service Center or create a free account to start the online submission process.

 

Submit by mail

            TransUnion

            P.O. Box 159

            Woodlyn, PA 19094

 

With your request, you may indicate if you’d like us to communicate with you regarding your request via email or postal mail.

 

If you have questions or need help with your request, you can call us to speak with a member of TransUnion’s human trafficking support team.


What happens after you submit your request?

We will process your request within 4 business days. Then, you’ll receive further communications about the status of your request, including whether we need additional documentation to process your request.

If you have complaints about the process

You may file a complaint about TransUnion, or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General’s office by visiting the CFPB’s website or by calling 855-411-CFPB (2372).

Contact Information for Trafficking Victim Support

TransUnion Trafficking Victim Support

 

Phone: 833-982-4057
Monday–Friday
8 a.m.–7 p.m. Eastern Time
Excluding holidays

 

Mail:
TransUnion
P.O. Box 159
Woodlyn, PA 19094

 

Other contact information you may need as you work through the process of removing adverse information on your credit reports as a result of human trafficking:

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 on your DHI report

 

Phone: 833-979-4361

 

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 on your TURSS report

 

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 report

 

Phone: 877-898-0912

 

Mail: 
P.O. Box 602
Woodlyn, PA 19094

 

Frequently Asked Questions

I submitted a human trafficking request. Why is the information still on my file?

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

  • We’re still processing your request
  • We determined your request was missing essential information and/or documentation that we need to process your request and have sent you a letter

If you have specific questions about the status of your request, you can call us at 833-982-4057

Will my status as a human trafficking victim be visible on my credit report or shared with anyone?

Information about your human trafficking victim status and/or any documentation you share with us as part of your request to remove information from your credit report will not be shared with anyone or be a part of your credit report. If you choose to add a fraud alert to your credit report, information that you may have been a victim of identity theft may be included in your credit report.

What types of information can be removed from my credit report through a human trafficking request?

You may remove any of the following information that is on your credit report as a result of human trafficking activity:

  • Personal information: Names, addresses, telephone numbers or current and previous employers
  • Collections and bankruptcy
    • Collections: An account can go to collections when payment is very late, by 30 days or more. Collections can stay on your credit report for up to 7 years, even if you eventually pay what you owe.
    • Bankruptcy: Bankruptcy is a legal process that someone uses when they cannot repay their debts. There are different kinds of bankruptcies, and they can stay on your credit report for up to 10 years.
      • Chapter 7: Generally stays on your credit report for 10 years from the date the bankruptcy was filed
      • Chapter 13: 7 years from the date the bankruptcy was filed
  • Accounts: You may see the following account types on your credit report
    • Revolving accounts: Open lines of credit you can use until you reach its limit. A credit card is a good example.
    • Installment accounts: These accounts are basically a fixed amount of money you repay on a schedule. A mortgage or car loan are good examples.
  • Inquiries
    • A hard inquiry is sometimes called a “credit check.” A hard inquiry happens when a lender checks your credit report to evaluate a credit application. They stay on your report for up to two years.
    • A soft inquiry can appear on your credit report when a company or person receives limited information to make a promotional offer or check your credit as a screening process. A soft inquiry also occurs if you pull your own credit report using a monitoring service or get it directly from the credit reporting agency. Only you can see soft inquiries on your credit report.
What is human trafficking?

Human trafficking, also known as trafficking in persons, is a crime that involves compelling or coercing a person to provide labor or services, or to engage in commercial sex acts. The coercion can be subtle or overt, physical or psychological. Exploitation of a minor for commercial sex is human trafficking, regardless of whether any form of force, fraud or coercion was used.

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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