It takes approximately 30-90 Days to hear from the credit bureaus


pick your desired package

Please read and review the contents of package and then choose package

Send Documents and info that is needed

Please send over all documents that is needed . Please do so within a 15 day frame.

Wait for confirmation e-mail

Please wait for conformation e-mail that you have been processed. After this e-mail you will waiting 30-90 days for the bureaus. The bureaus will be sending your results to you.

email company results

When you receive your results, please send a copy of your results to CUSTOMERSERVICE@CHANGINGLIVESFINANCIAL. SOLUTIONS . This ensures that our company will be able to take the best steps to ensure that you have the best overall steps in repairing your credit .

credit repair packages

Months of services only come with fully paid packages

Discounted packages are only filed for 30-45 days


  • soft inquires
  • collections
  • late payments
  • 30-45 days of service
  • 2 petition Letters


  • collections
  • late payments
  • charge offs
  • hard inquiries
  • 3 months of serivice
  • 6 petition letters


  • charge offs
  • collections
  • students loans
  • late payments
  • all inquiries
  • 6 months of service
  • 10 petition letters


  • collections
  • late payments
  • all inquiries
  • repos
  • charge offs
  • bankruptcy
  • student loans
  • 8 months of service
  • 15 petition letters


  • charge offs
  • collections
  • all inquiries
  • late payments
  • bankruptcy
  • public records
  • repos
  • student loans
  • 1 year of support
  • unlimited petition letters

Frequently asked questions

Depending on the status of your credit  it can up to 1 year. it But it will take 30-45 see results. 

There are many ways to build your credit on your own whether you have no credit or you are trying to re-establish credit. One option is taking out cash collateral towards a secured card with a reputable company that will report to the three bureaus. The Con to this is also finding a “lender” that can guarantee your collateral return after 12 months or earlier for maintaining an account with them. Another option is (you can visit the site for more info on how the process works). I like the option of Self Lender because there is no credit score required to join and you can unlock the collateral money after a period of time + the interest it accumulated, like a savings account. It also reports to the bureaus showing that you have a trade line!

Do not wait until you are in need of good credit to start inquiring on how to repair it. Try to start as early as possible because it can be a timely process, depending on the circumstance, to resolve matters on your credit profile.

: Bankruptcy is a turning point that people consider when credit card expenses and other lines of credit or collections accounts become too much to handle. Filing for Chapter 13 bankruptcy allows you to keep all of your property, but you would have to pay your unsecured creditors (like credit card companies) an amount equal to the value of your nonexempt assets. This step is typically recommended after all options have been exhausted in repairing your credit profile yourself or through a delegated company or representative

So in summmary still owe debt and still need a credit repair.

Work on the accounts that have higher interest rates, they are the ones you are paying more on interest than principle when you submit a monthly payment. Then work your way to the lower rates. It’s a great feeling to pay off accounts, that is the feeling of financial freedom!

You can rebuild your credit by getting a secured line of credit(these are kind of tricky because although it is your money that you are using for credit limit, credit companies still have terms and conditions to approve you for the account.) You can go to a company and buy something with their line of credit and make timely payments(such as a furniture store or best buy).

 Anything that is federal like  something that is put on your credit by the IRS. You would have to contact the IRS about the debt that you owe.

DO NOT RESPOND TO ANY LETTERS THAT YOUR CREDITORS OR DEBT HOLDERS SEND TO YOU. This includes receiving letters from a lawyers office or letters from the creditor.

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Privacy policy

Changing Lives Financial Solutions Report Repair Privacy Policy

Privacy Policy
Protecting your private information is our priority. This Statement of Privacy applies to the and Changing lives Financial Solutions Credit Repair and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Changing Lives Financial Solutions Credit
Repair include and Changing lives financial Solutions website is a information and signup site. By using the Changing Lives Financial Solutions website, you consent to the data practices described in this statement

Collection of your Personal Information

Changing Lives Financial Solutions may collect personally identifiable information, such as your name, Date of birth, current and
previous addresses, and other relevant information related to the restoration and repair of your credit report
by removing inaccurate negative items Changing Lives Financial Solutions may also collect anonymous demographic information,
which is not unique to you, such as your age, city and state. We may gather additional personal or
non-personal information in the future.  Information about your computer hardware and software may
be automatically collected by Changing Lives Financial Solutions. This information can include: your IP address, browser type,
domain names, access times and referring website addresses. This information is used for the operation
of the service, to maintain quality of the service, and to provide general statistics regarding use of the Changing Lives Financial Solutions website.

Changing Lives Financial Solution encourages you to review the privacy statements of websites you choose to link to
from  Changing Lives Financial Solutions that you can understand how those websites collect, use and share your
information. Changing Lives Financial Solutions is not responsible for the privacy statements or other content on websites

outside of the Changing Lives Financial Solutions website.

Use of your Personal Information

 Changing lives Financial Solutions collects and uses your personal information to operate its website(s) and deliver the  services
you have requested.

Changing Lives Financial Solutions may also use your personally identifiable information to inform you of other products or
services available from Changing Lives Financial Solutions and its affiliates. Changing Lives Financial Solutions may also contact you via surveys
to conduct research about your opinion of current services or of potential new services that may be offered.

Changing Lives Financial Solutions does not sell, rent or lease its customer lists to third parties.
Changing Lives Financial Solutions may share data with trusted partners to help perform statistical analysis, send you email
or postal mail, provide customer support, or arrange for deliveries. All such third parties are
prohibited from using your personal information except to provide these services to Changing Lives Financial Solution,

and they are required to maintain the confidentiality of your information.Changing Lives Financial Solutions may keep track of the websites and pages our users visit within Changing Lives Financial Solution in order to

determine what Changing Lives Financial Solutions services are the most popular. This data is used to deliver customized

content and advertising within Changing Lives Financial Solutions to customers whose behavior indicates that they are interested

in a particular subject area.

Changing Lives Financial Solution will disclose your personal information, without notice, only if required to do so by law
or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or
comply with legal process served on Changing Lives Financial Solutions or the site; (b) protect and defend the rights or

property of Changing Lives Financial Solutions; and, (c) act under exigent circumstances to protect the personal safety of

users of Changing Lives Financial Solutions, or the public.

Use of Cookies
The Changing Lives Financial Solutions website may use “cookies” to help you personalize your online experience. A

cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be
used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you,
and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The
purpose of a cookie is to tell the Web server that you have returned to a specific page. For
example, if you personalize Changing Lives Financial Solutions pages, or register with Changing Lives Financial Solutions site or services, a cookie helps Changing Lives Financial Solutions to recall your specific information on subsequent visits. This simplifies the

process of recording your personal information, such as billing addresses, shipping addresses, and
so on. When you return to the same Changing Lives Financial Solutions website, the information you previously provided

can be retrieved, so you can easily use the features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept
cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you
choose to decline cookies, you may not be able to fully experience the interactive features of the Changing Lives Financial Solutions services or websites you visit.

Security of your Personal Information
Changing Lives Financial Solutions secures your personal information from unauthorized access, use or disclosure.

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