Restoring Financial Freedom. Rebuilding Lives.

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Financial barriers can continue to impact survivors long after they have reached safety. Past exploitation, coerced debt, identity misuse, and inaccurate or harmful information reported to consumer agencies can create obstacles to housing, transportation, education, employment, and full independence.

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The Credit Reclaim Project by A Seed in the Ground Foundation is a trauma-informed, 6-month cohort-based financial empowerment program designed to walk alongside survivors as they learn how to address financial barriers connected to exploitation and rebuild their financial future.

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Through education, tools, and survivor-centered support, participants gain the knowledge needed to better understand their consumer reports, identify harmful information, and navigate the process of addressing adverse information with credit bureaus and secondary consumer reporting agencies.

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Who Qualifies for the Credit Reclaim Project?

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The Credit Reclaim Project is designed for individuals who:

✓ Are survivors of human trafficking or financial exploitation
✓ Have experienced financial harm, coerced debt, identity misuse, or other barriers connected to exploitation
✓ Have financial records or consumer reports that may be impacting their ability to achieve independence
✓ Are committed to participating in a 6-month educational cohort focused on financial empowerment

Priority is given to survivors who are:

• Connected to an anti-trafficking organization or survivor-serving program receiving case management support

• Referred through a trusted community partner or service provider

Self-referrals are accepted for individuals seeking support who meet program eligibility requirements. Intake and eligibility review will help determine the appropriate pathway for participation.

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What Is the Credit Reclaim Project?

The Credit Reclaim Project is a structured 6-month program that equips survivors with the tools, knowledge, and resources to address financial barriers that may stand between them and long-term independence.

Participants will learn how to navigate and understand:

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Major Credit Reporting Agencies

• Experian

• Equifax

• TransUnion

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Secondary Consumer Reporting Agencies & Records That May Impact Independence

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Participants will learn how to identify and address adverse information connected to areas such as:

• Evictions and housing barriers

• State benefit fraud or misuse of personal information

• Driver history records

• Financial aid barriers

• Auto loans and lending records

• Banking and consumer reporting systems

• Other consumer reporting agencies that may maintain harmful or inaccurate information

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What Will Participants Leave With?

By completing the Credit Reclaim Project, participants will leave with:

✓ A better understanding of their consumer reports and financial records
✓ Knowledge of their rights and available protections
✓ Tools to communicate with credit bureaus and consumer reporting agencies
✓ Resources to address financial barriers impacting housing, transportation, education, and employment
✓ A stronger foundation for rebuilding financial independence

This program does not promise a specific outcome or guarantee removal of information. Instead, we provide survivors with education, tools, and support to understand their rights and take informed steps toward financial recovery.

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Ready to Take the Next Step?

If you believe the Credit Reclaim Project may be a good fit for you, please complete our Survivor Intake Form.

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[Complete Survivor Intake Form  ]

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After your intake form is reviewed, a member of our team will contact you with next steps and upcoming cohort information.

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Need Immediate Help?

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If you or someone you know is in immediate danger, call 911.

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If you need support or help connecting with human trafficking resources, contact:

National Human Trafficking Hotline
📞 Call: 1-888-373-7888
💬 Text: 233733 (BEFREE)

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You deserve support, safety, and the opportunity to rebuild.

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A Seed in the Ground Foundation
Empowering survivors to restore independence and reclaim their financial future.