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.
- Additional Resources: These resources are to assist in understanding how the credit system operates.
Click the link below to download the guide.
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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.
Organization Authorization Information
- OTIP Program Authorization of Grantees
- North Carolina Department of Justice - Authorization for North Carolina Agencies
Additional Resources
- Annual Credit Report For a Free Copy of Credit Report
- NerdWallet: How to Get Your Free Credit Reports From the Major Credit Bureaus
- RTI: How to Read a Credit Report
- NerdWallet: How to Read a Credit Report (Spanish Version)
- Consumer Financial Protection Bureau: What are specialty consumer reporting agencies and what kind of information do they collect?
- Center for Survivor Agency and Justice’s Compendium on Coerced Debt
Republication Information
All materials provided by CAST, including advisories and other resources, are protected by copyright and cannot be republished without express permission from CAST. Our materials are made freely accessible thanks to OVC and OVW grants, and we are committed to ensuring they remain accessible to all. We strictly prohibit placing any of our materials behind a paywall. For detailed guidelines on republication, please review our official guidelines.