Human Trafficking Survivor Resources: Reclaim Control of Your Credit

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:

Step 3: Submit your documents

Submit by mail

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.