The Debt Bondage Repair Act (DBRA) is designed to empower survivors of human trafficking to repair their credit. This act acknowledges the immense challenges faced by survivors and provides a pathway to remove adverse credit information resulting from their trafficking victimization.

Audience

This guide provides tips for survivors, service providers, government entities, and law enforcement in how to navigate the DBRA process.

What You'll Find in the Guide:

• Step-by-Step Assistance: Steps outlining the application process.
• Sample Documents: Sample self-attestation letters and victim determination documentation (VDDs) to guide you.
• Regular Updates: Our guide is continuously updated to ensure you have the most current information available.

Click the link below to download the guide.

If you have any further questions or need additional assistance, please feel free to request individual technical assistance.

Technical Assistance for Survivors

We recognize that survivors might encounter challenges during this process. If you require troubleshooting assistance and are not affiliated with an authorized NGO, we encourage you to reach out to the Identity Theft Resource Center. Their dedicated team is here to support survivors, providing the necessary guidance and assistance.

Additional Resources

• Get a Free Copy of Credit Report: AnnualCreditReport.com
• NerdWallet: How to Get Your Free Credit Reports From the Major Credit Bureaus https://www.nerdwallet.com/article/finance/how-to-use-annualcreditreport-com
• RTI: How to Read a Credit Report: https://castla.box.com/v/HowtoReadaCreditReport 
• NerdWallet: How to Read a Credit Report: https://www.nerdwallet.com/article/finance/read-credit-report
• Consumer Financial Protection Bureau: What are specialty consumer reporting agencies and what kind of information do they collect? https://www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/
• OTIP Program Authorization of grantees: https://www.acf.hhs.gov/otip/policy-guidance/program-instruction-prohibition-inclusion-adverse-information-consumer
• Center for Survivor Agency and Justice’s Compendium on Coerced Debt: https://csaj.org/resource/compendium-on-coerced-debt/

Republication Information

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