The Resource Library includes fact sheets, promising practices, tools, templates, and training materials developed by subject-matter experts with direct experience working with survivors. Resource topics address current trends and challenges in the field.
Search Results 6 matching results for "Credit Repair"
How to Read a Credit Report: An Economic Advocacy Tool
This toolkit explains how to understand the information listed on a credit report and provides an example dispute letter for old or inaccurate information.
Levels: Introductory
Material Types: Tools
Keywords: Coerced Debt/Identity Theft Credit Repair
Demographics: Adults Foreign National US Citizen/Legal Permanent Resident Youth
Has My Identity Been Compromised?
Survivors of trafficking often have little to no control over their personal information and/or financial accounts while experiencing trafficking. If personal identifiers (Social Security number, driver’s license, student ID, etc.) or account/user credentials (account number, username/password, etc.) have been compromised, there is a greater risk of an identity crime.
See more resources for trafficking survivors on ITRC's website.
Levels: Introductory
Material Types: Fact Sheets Tools
Types of Trafficking: Labor Trafficking Sex Trafficking
Keywords: Coerced Debt/Identity Theft Credit Repair
Demographics: Adults Foreign National US Citizen/Legal Permanent Resident Youth
Is My Identity Being Misused?
Identity misuse is a growing concern, with more individuals falling victim to fraud and theft than ever
before. Most individuals’ personal information is readily available, whether it’s been shared by the
individual or not. How do you know if you are a victim of identity misuse?
Levels: Introductory
Material Types: Fact Sheets Tools
Types of Trafficking: Labor Trafficking Sex Trafficking
Keywords: Coerced Debt/Identity Theft Credit Repair
Demographics: Adults Foreign National US Citizen/Legal Permanent Resident Youth
June 2025 Credit Repair Clinic for Human Trafficking Survivors
A pro bono clinic is being offered by Rutan and Moore and Van Allen on June 18, 2025 to assist survivors applying for credit repair under the Debt Bondage Repair Act. This flyer provides details about the clinic and how to register.
Levels: Introductory
Material Types: Flyer
Types of Trafficking: Labor Trafficking Sex Trafficking
Keywords: Credit Repair
Demographics: Adults Foreign National US Citizen/Legal Permanent Resident Youth
Credit Repair for Survivors of Human Trafficking
The Consumer Financial Protection Bureau (CFPB), a U.S. government agency
responsible for overseeing financial products and services for consumers, has published
details of a new credit repair law and process for victims and survivors of trafficking to
block adverse information from their consumer and credit reports that resulted from
their trafficking experience.
This was created in response to efforts by survivors and other advocates to create and
design an accessible process. This will change the lives of many survivors by providing
a new pathway to financial freedom
Levels: Introductory
Material Types: Fact Sheets Tools
Types of Trafficking: Labor Trafficking Sex Trafficking
Keywords: Credit Repair
Demographics: Adults Foreign National US Citizen/Legal Permanent Resident Youth
Guide for Applying for Credit Repair under the Debt Bondage Repair Act
This guide aims to assist practitioners and survivors in applying for relief under the Debt Bondage Repair Act (DBRA). The DBRA allows survivors of human trafficking to block adverse credit information, resulting from their trafficking victimization, from their credit files. The primary objective of this guide is to facilitate the navigation of this process by providing samples and offering context on why specific information is being requested.
See the full guide for sample letters