Changing Lives Consulting, Inc.
Changing Lives Consulting, Inc.
Fix Your Credit. Reclaim Your Freedom.
Erase inaccuracies, fight back against collectors, and finally get the credit score you deserve—with proven strategies backed by consumer protection laws.
Fix Your Credit. Reclaim Your Freedom.
Erase inaccuracies, fight back against collectors, and finally get the credit score you deserve—with proven strategies backed by consumer protection laws.
Are Negative Items Destroying Your Credit Score?
Many accounts are reporting illegally
Debt buyers often can’t even prove they own your debt
Inaccurate reporting can cost you loans, homes, cars, and even job opportunities
Are You Ready to Fix Your Credit???
Denied for Credit & Opportunities
Getting turned down for a car, home, loan, or even a job because of your credit score. It feels like your financial past is blocking your future.
Feeling Stuck & Overwhelmed
No matter how much you pay or how hard you try, your score won’t move—and it feels impossible to win.
Debt Collectors & Inaccurate Reporting
Harassing calls, threatening letters, and negative items sitting on your report that may not even be valid.
“No FTC reports. No human trafficking claims. No fake data breach loopholes. We don’t rely on tricks or scams—just proven strategies, powerful consumer protection laws, and precise disputes that get real results.”
We help with removing all inaccuracies.
We help with removing all inaccuracies.
I dispute to sue to help accounts to be permanently deleted.
Don’t Let Another Month Pass with Bad Credit.
Every day that inaccurate items remain on your report, you’re losing money, opportunities, and peace of mind. Take control today.
Taylor's First Second
Taylor was with us for two months.
All negative items were removed in that time frame.
After removing inaccurate accounts will give him credit builder to help improve his credit report.
Lavonne's First Round
In Her First Round I remove 22 Deletions.
She had 80 inaccurate accounts on her credit report.
In The Second Round I remove 13 things off.
Lavonne has a huge inaccuracy case dealing with her social security number.
Jennell's Second Round
Jennell Had Student Loans that was hunting her.
Dropped her credit scores.
Just in two rounds everything was fixed.
Now we just have to build her credit score.
LET'S FIX YOUR CREDIT NOW
What to expect
Hi, Destiny Johnson
I know firsthand how overwhelming it feels to deal with collections, charge-offs, repossessions, or being denied for credit you worked hard for. That’s why I’ve made it my mission to help people take back control of their financial future using the very same consumer protection laws the credit bureaus and debt collectors hope you never learn about.
Over the years, I’ve:
Helped clients remove inaccurate collections, charge-offs, bankruptcies, and repossessions.
Educated thousands of people on their rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
Built a system that works—whether you want a done-for-you service or you’re ready to learn the process and fight back yourself.
This isn’t just about credit repair—it’s about mindset, empowerment, and financial freedom. I believe when you change the way you see credit, you change the opportunities available for your family, your business, and your future.
My promise is simple: I’ll guide you with honesty, legal precision, and a strategy that actually works—so you can finally stop stressing over your credit and start living the life you deserve.
DONE FOR YOU CREDIT REPAIR
Here’s What You Can Expect
Removal of inaccurate collections, charge-offs, repossessions, bankruptcies, and more
A strategy tailored to your credit profile—not one-size-fits-all disputes
Protection from harassment and unfair collection practices
A path to qualify for homes, cars, business credit, and financial freedom
How Do We Handle Our Clients
When sign up your credit disputes are entered the same day.
Biweekly communication
Guarantee support throughout this process to help increase your credit score.
Reviews from Clients
Let me just start by saying by the time I met Destiny on TikTok, I was already a little leery of the credit talk, I felt defeated with my own credit and I felt unsure of who to trust as I had already had 2 other people who did not produce results. So with that I prayed and gave it to God, He knew I was intentional and really wanted to accomplish better credit. The same day I popped on TikTok and Destiny was there. I listened in and immediately knew there was something with her that I needed to tap into. So that same night I signed up and took a chance, and in the infamous words of the GOAT herself “Lemme Tell You Something” I am so glad I did! I was not disappointed. My first round I believe she removed 14 items and I was so thrilled, second round more came off including a repossession that I just knew I was stuck with but she did it, and she kept doing it. All this to say what seemed so unattainable for me for years, she has managed to accomplish for me within just 4 months, and I could not be happier with my results. I recommend her to any and everyone who is in need of credit repair, credit knowledge, and credit worthiness, she is your one stop shop for all things credit, and that’s just the tip of the iceberg for what she is capable of!!
Thank You Destiny sincerely,
Tasheika
Grand rising beautiful people! I am beyond grateful to be able to post this extraordinary win! I was being sued by a debt collection agency and was about to give up and give in when I came across
IG page. I binged watched her content for 2 days and decided to take a chance. I booked a free consultation on July 7, 2025 still wasn’t sure if she could assist me because I had only spoken to her assistant but went ahead and book a paid consultation for July 10, 2025. My court date was July 11, 2025 😳. When I say she has the magic touch I mean it! We set the goal for a dismissal or postponement. We got it! Next court date was July 28,2025. We had the same goal, got another postponement. August 7, 2025 after attending classes, shifting my mindset and focusing on my story as
instructed and the love support and enforcement from this community, y’all my case was Dismissed! $112,000. I couldn’t have done it with her guidance and knowledge. Yes I had to show up and take action but baby when you are prepared by the best expect nothing less than results! It was nerve racking, I was scared and wasn’t sure if she’d be able to get results for me, however after every call, text and class I found I had a bit more confidence then I originally showed up with. From the top of my soul and with all of my being thank you
🙏🏾💜🥰 This will forever be OUR WIN 🙌🏾
--Malika
Ok so look I have to keep it a buck. I initially joined Destiny’s community with the idea that I could fix or repair my credit by following the very detailed instructions she lays out in her course. Don’t get me wrong the course and material she provides is very well done and presented in a way that’s easy to follow. My problem became LIFE….we all experience it. I couldn’t focus, overwhelmed from personal obligations, etc. So I ultimately made the decision to purchase the done for you credit repair. Best decision I made. After the first round I received a message from Destiny saying “11 deletions SO FAR, and we going into the 2nd round”! I thank Destiny for not only being passionate and invested in what she does but also for providing those same qualities to her clients and community. The value and knowledge given can’t be beat!
Trijuana
Listen to what our clients are saying
"In Tanisha words this was the best investment she could have done."
"In The words of Derek, she's a beast."
"In The Words of Derek arbitration clause, arbitration clause"
"In the words of Sharon, she is teaching you how to fish"
Frequently Asked Questions
How long does credit repair take?
Every credit profile is different, but most clients start seeing results within the first 30–90 days. Remember—credit repair is a process, not an overnight fix. We focus on building long-term stability, not quick gimmicks.
Do you use FTC reports, human trafficking claims, or data breach loopholes?
Absolutely not. Those are shortcuts that often backfire. We only use legitimate, law-driven disputes backed by the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA)—giving you real results that last.
Can you guarantee deletions?
No company can guarantee specific deletions, and anyone who says otherwise is not being truthful. What we can guarantee is that we’ll fight every violation with legal precision, hold bureaus and collectors accountable, and give you the best chance at removing inaccurate or unverifiable items.
What kinds of items can you help with?
We’ve helped clients dispute collections, charge-offs, repossessions, bankruptcies, late payments, medical bills, and more. If the reporting is inaccurate, incomplete, or unverifiable—we challenge it.
Are you ready to fix your credit?
SKIP CALL AND SIGN UP NOW
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