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Information for Human Trafficking Victims

At KRESS Inc., we are committed to assisting victims of human trafficking in accordance with the Fair Credit Reporting Act (FCRA) and the Consumer Financial Protection Bureau's (CFPB) regulations.

If you are a victim of human trafficking, you have the right to request that KRESS Inc. block adverse information in your consumer report that resulted from trafficking.

Our Commitment

KRESS Inc. is dedicated to helping survivors of human trafficking reclaim control over their financial and employment situations. We aim to promptly process your requests with the utmost sensitivity and care.

How to Submit a Request

To submit a request to block trafficking-related information from your consumer report, please provide the following documentation:

Proof of Identity

  1. Provide your full name (first, middle, last, suffix), any previous names, full social security number, and date of birth.
  2. A copy of your government-issued ID (driver's license, passport, etc.
  3. A copy of a utility bill, bank statement, or another document with your name and address.
  4. You may also answer confirmation questions to verify your identity.

Trafficking Victim Determination

  1. A document from a government agency, court, authorized non-profit organization, or human trafficking task force stating that you are a victim of trafficking.
  2. You can also provide a self-attestation signed by one of the above entities.

List of Adverse Items

  1. A statement identifying the specific adverse items on your consumer report that resulted from human trafficking.

You can submit these documents via email to or by mail to:


Attn: Trafficking Victim Requests


13105 Northwest Freeway, Suite 1050

Houston, Texas 77040

Please also provide your preferred contact method (email or mailing address) for future communications.

Our Process

Upon receiving your submission, we will take the following steps:

  1. Temporarily block the identified adverse information within 4 business days
  2. Notify you within 5 business days if any additional information is needed
  3. Make a final determination on your request within 25 business days
  4. Notify you of the outcome and provide a free updated consumer report if applicable

We are committed to assisting human trafficking victims in rebuilding their financial lives. If you have any questions, please contact our team at 888.636.3693.

Additional Resources

If you or someone you know is a victim of human trafficking, there are places you can go for assistance and support. Some organizations and hotlines that may be helpful include:

National Human Trafficking Hotline (1-888-373-7888)

Provides 24/7 support, crisis intervention, urgent and non-urgent referrals, tip reporting, etc.

National Human Trafficking Referral Directory

Online directory of anti-trafficking organizations offering emergency, transitional or long-term services to victims/survivors across the U.S.

Trafficking Victim Assistance Program (TVAP)

Administered by USCRI, provides case management services and direct financial assistance to foreign national survivors through a network of service providers.

Domestic Victims of Human Trafficking Program

Funded by HHS, provides comprehensive case management, housing, counseling, job training, and legal advocacy to U.S. citizen and lawful permanent resident victims.


What is a Self-Attestation?

A self-attestation is when you make a formal statement about certain facts or situations about yourself. In human trafficking cases, this means writing a statement about your experiences, which is then signed and verified by an authorized entity like a government agency, court, non-profit, or human trafficking task force. This document confirms your status as a trafficking victim and helps block negative information on your credit report. The statement must clearly describe your trafficking experience and its impact on your credit history.

What is an Adverse Item?

An adverse item on your consumer report is any entry that negatively affects your credit score or overall creditworthiness. These items can include late payments, defaults, bankruptcies, foreclosures, and any other negative marks indicating financial difficulty or instability. In the case of human trafficking, adverse items may also include fraudulent accounts opened in your name without your knowledge or consent.

These records can significantly impact your ability to secure housing, employment, and financial resources.

What if I can't prove my identity?

If you do not have proof of your identity, you may still be able to submit your request. Please get in touch with our team for further assistance by calling 888.636.3693 or emailing us at In general, we recommend submitting as much information as possible to support your request and establish your identity.

What information should I include in my statement?

In your statement, you should provide a detailed account of the specific adverse items on your consumer report that are directly linked to your experience as a human trafficking victim. These may include, but are not limited to:

  1. Fraudulent Accounts: Accounts opened in your name without your knowledge or consent.

  2. Unauthorized Charges: Transactions or purchases made by traffickers using your credit or debit cards.

  3. Loans or Credit Lines: Any loans or credit lines initiated by traffickers in your name.

  4. Unpaid Bills: Utility bills, medical bills, or other expenses left unpaid by traffickers who used your identity.

  5. Collection Notices: Notices from collection agencies regarding debts that you did not incur.

In your statement, try to detail each adverse item clearly, including the type of account, the date it was opened or the charge made, and any amounts involved.

What if I need additional support?

We understand that this process can be overwhelming and emotionally taxing for survivors of human trafficking. We are here to support you every step of the way. Our team of experts is available to guide you through the process and provide any necessary assistance.

Additionally, there are numerous organizations and resources available to support human trafficking survivors, including legal aid services, counseling, and financial assistance. We encourage you to reach out for help if needed.

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