# ![@destinytalks_credit Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7388171071206982702.png) @destinytalks_credit Destinytalks_credit

Destinytalks_credit posts on TikTok about debt, how to, finance, agencies the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/tiktok::7388171071206982702/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7388171071206982702/c:line/m:interactions.svg)

- [--] Week [-----] +7.30%
- [--] Month [-----] +34%
- [--] Months [------] -89%
- [--] Year [-------] -53%

### Mentions: [--] [#](/creator/tiktok::7388171071206982702/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7388171071206982702/c:line/m:posts_active.svg)


### Followers: [------] [#](/creator/tiktok::7388171071206982702/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7388171071206982702/c:line/m:followers.svg)

- [--] Week [------] +0.09%
- [--] Month [------] +0.73%
- [--] Months [------] +9.40%
- [--] Year [------] +192%

### CreatorRank: [---------] [#](/creator/tiktok::7388171071206982702/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7388171071206982702/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  43.56% [ncaa football](/list/ncaa-football)  4.95% [stocks](/list/stocks)  2.97% [celebrities](/list/celebrities)  0.99% [countries](/list/countries)  0.99%

**Social topic influence**
[debt](/topic/debt) #816, [how to](/topic/how-to) 12.87%, [finance](/topic/finance) 9.9%, [agencies](/topic/agencies) 5.94%, [if you](/topic/if-you) 3.96%, [money](/topic/money) 3.96%, [collection](/topic/collection) 2.97%, [just got](/topic/just-got) 1.98%, [credit cards](/topic/credit-cards) 1.98%, [national debt](/topic/national-debt) 0.99%

**Top accounts mentioned or mentioned by**
[@recouper](/creator/undefined) [@natasha](/creator/undefined) [@9pm](/creator/undefined) [@newyearnewpat](/creator/undefined) [@reesejade13](/creator/undefined) [@8pm](/creator/undefined) [@flipping](/creator/undefined) [@triplecs](/creator/undefined) [@tmth](/creator/undefined)

**Top assets mentioned**
[Public Service Enterprise Group, Inc. (PEG)](/topic/public-service) [Bank of America (BAC)](/topic/bank-of-america)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Thats a wrap JUST SETTLED WITH LVNV JUST SETTLED WITH LVNV"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7582041431716449591)  2025-12-10T01:53Z 31K followers, [----] engagements


"Just Sue. Let me know in the chat if you have any questions. LVNV MIDLAND PORTFOLIO JEFFERSON CAPITAL ARS RESURGENT RMS LVNV MIDLAND PORTFOLIO JEFFERSON CAPITAL ARS RESURGENT RMS"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7603542022468668685)  2026-02-06T00:26Z 31K followers, [---] engagements


"1. Accredited Debt Relief [--]. Freedom Debt Relief [--]. National Debt Relief They can help you eliminate your debt by going to the orginal lender to neogiate your debt. Your credit score will drop signficiantly and you may not be able to use your credit for years depending on your debt. #balancetransfer #debtrelief #nationaldebtrelief #freedomdebtrelief #accrediteddebtrelief Debt Settlement Programs Debt Settlement Programs"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7397446919288573227)  2024-07-30T15:12Z 31K followers, 25.6K engagements


"Are you dealing with bad credit Use that contract as your defense. #credit #creditrepair #debtcollectors #courtcases Arbitration Debt collectors Credit Debt Collectors Arbitration Debt collectors Credit Debt Collectors Arbitration Clause Arbitration Debt collectors Credit Debt Collectors Arbitration Clause"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7415272997595909418)  2024-09-16T16:06Z 31K followers, 95.7K engagements


"Credit Credit union Banks Credit repair Credit Union let you check your rate without affecting your credit score #credit #creditrepair #fyp #creditunions [--]. State Department Federal Credit Union (SDFCU) [--]. Andrews Federal Credit Union [--]. United Federal Credit Union [--]. Safe [--] Credit Union [--]. Pathways Financial Credit Union [--]. Great River Federal Credit Union [--]. Consumers Credit Union [--]. Fort Knox Federal Credit Union [--]. Navy Federal Credit Union Part [--] Credit Union that does soft inquiry to get approved Credit Credit union Banks Credit repair [--]. State Department Federal Credit Union"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7419413481327168814)  2024-09-27T19:53Z 31K followers, [----] engagements


"I appreciate your review Lets go #credit #creditrepair #finance #consultation #experian #debt #contract #court Jefferson Capital Beat Only two questions and case was won Comment below if you need help Jefferson Capital Beat Only two questions and case was won Comment below if you need help"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7459986331301645614)  2025-01-15T03:57Z 31K followers, [---] engagements


"Replying to @Recouper"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7472526342634917162)  2025-02-17T22:59Z 31K followers, [----] engagements


"Filing a complaint with the Consumer Financial Protection Bureau (CFPB) 🚨 can often get faster results than disputing directly with a collection agency because it requires the company to formally respond within a set timeframe . When you submit a complaint through the CFPB 🏛 the debt collector must investigate and provide a written response 📝 which can speed up resolutions like correcting errors or removing inaccurate collections ✅. While disputing directly with the collector is still your legal right under the Fair Credit Reporting Act ⚖ using the CFPB adds an extra layer of"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7607507359975345421)  2026-02-16T16:54Z 31K followers, [---] engagements


"How to clean your credit report in [----]. Comment Ready in the chat to get started. HOW TO CLEAN YOUR CREDIT IN [----] HOW TO CLEAN YOUR CREDIT IN 2026"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7602423561734638862)  2026-02-03T00:06Z 31K followers, [----] engagements


"Fixing your credit and winning cases just got easier. If youre tired of debt collectors playing games with you comment ME below and lets get on a call so I can help you take control. That time when my client was being sued for 112k and we got the case dismissed. Then sued and got $7500. That time when my client was being sued for 112k and we got the case dismissed. Then sued and got $7500"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7604903889128803598)  2026-02-09T16:32Z 31K followers, [---] engagements


"Debt collectors dont get to break the law just because you owe money. Violations have consequences. #FDCPAViolations #DebtHarassment #ConsumerRights #FairDebt #legalawareness REMOVING COLLECTIONS IN [--] HOURS LVNV JEFFERSON MIDLAND PORTFOLIO REMOVING COLLECTIONS IN [--] HOURS LVNV JEFFERSON MIDLAND PORTFOLIO"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7605087038450224397)  2026-02-10T07:00Z 31K followers, [---] engagements


"Owing a debt does not strip you of your rights. Debt collectors are bound by the law and when they cross the linethrough harassment threats repeated calls or deceptive tacticsthey can be held accountable. Knowing your rights is the first step to stopping the abuse #credit #creditrepair #financialfreedom STOP PAYING DEBT COLLECTORS STOP PAYING DEBT COLLECTORS"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7605239185372400909)  2026-02-10T14:13Z 31K followers, [---] engagements


"Debt collectors do not have unlimited access to you. Federal law restricts when where and how they can contact you. They cannot call at inconvenient times contact you at work if its prohibited discuss your debt with third parties or ignore a written request to cease communication. Harassment is not collectionits a violation. Know your rights under [--] U.S.C. 1692c. #FDCPA #ConsumerRights #1692c DISPUTE COLLECTIONS LVNV PORTFOLIO MIDLAND JEFFERSON DISPUTE COLLECTIONS LVNV PORTFOLIO MIDLAND JEFFERSON"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7605446873402445070)  2026-02-11T03:38Z 31K followers, [---] engagements


"How to increase your credit score in [----] IMPROVE CREDIT SCORE IN [----] IMPROVE CREDIT SCORE IN 2026"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7605818215360433421)  2026-02-12T03:39Z 31K followers, [---] engagements


"3 Words That Make Any Debt Collector Back Off Validate the debt. Debt collectors may send statements and demand payment but that doesnt prove they legally own the debt or have the right to collect it. When you ask for proper validation the burden shifts to them. I teach this strategy inside my community where people are successfully challenging debt collectors and even winning settlements. Ready to learn how Comment Debt Collector to get started"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7606364591005863181)  2026-02-13T14:59Z 31K followers, [---] engagements


"Understanding your rights just leveled up. Sending a dispute letter is important but knowing how to enforce your rights is where the real power is. Anyone can file a dispute. Very few people know how to hold companies accountable when they fail to follow the law. We took action against a credit bureau over one inaccurate account and legally got the entire report cleaned up. Theres a right way to do this. And I teach it inside my community where people are learning how to properly challenge errors and protect their credit. If youre ready to learn how to do it the right way comment Ready. Just"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7606396285767191822)  2026-02-13T17:02Z 31K followers, [---] engagements


"that is accurate verifiable and complete. Credit Reporting Agencies (CRAs) also have a duty to ensure the information on your report meets the highest standards of accuracy. If any item on your credit report is inaccurate incomplete unverifiable or outdated it must be corrected or removed. Ive developed a step-by-step process to help clients: * Dispute inaccurate or unverifiable accounts * Pursue deletions where appropriate * Negotiate settlements * Seek debt forgiveness when possible * Take legal action against debt collectors or original creditors when they violate the law If youd like to"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7606518676585532685)  2026-02-14T00:57Z 31K followers, [---] engagements


"Debt collectors bank on one thing: you not knowing your rights. Most people dont realize that debt collectors are regulated by federal law. They cannot harass you. They cannot lie to you. They cannot report inaccurate information. And they absolutely cannot violate your consumer rights without consequences. Two major laws protect you: The Fair Credit Reporting Act (FCRA) This law governs how your credit information is reported and disputed. If a collector or credit bureau reports inaccurate incomplete or unverifiable information and fails to correct it after you dispute it that can be a"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7606794604230282510)  2026-02-14T18:48Z 31K followers, [---] engagements


"If there is any information listed on your credit report that is inaccurate incomplete outdated or cannot be properly verified it must be corrected or removed. Credit reporting agencies are required to ensure that all information they report is fair and accurate. If an item cannot be substantiated or confirmed as accurate through proper investigation it cannot legally remain on your credit file and must be deleted to protect your rights and the integrity of your credit history. WOMEN SUES DEBT COLLECTOR AND WIN $7500 WOMEN SUES DEBT COLLECTOR AND WIN $7500"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7607604115190877453)  2026-02-16T23:09Z 31K followers, [---] engagements


"Yess its a scam. Link in bio for help #financialfreedom #finance #credit #ftc Remove things from your credit in [--] weeks Listen in Remove things from your credit in [--] weeks Listen in"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7449006542797409578)  2024-12-16T13:49Z [----] followers, [---] engagements


"Replying to @Natasha Archie #creditrepair #finance #financialfreedom Sorry I am battling a cold Sorry I am battling a cold"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7452036045933169963)  2024-12-24T17:45Z 10.1K followers, [---] engagements


"Transfer of assignment and original contract are two documents that a debt collector does not have If the do question the validity of the documents. Most likely they will have a copy of the original. #finance #credit #debtcollector #court #financialfreedom #bureau #creditbureaus"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7452308142765018414)  2024-12-25T11:21Z 10K followers, [---] engagements


"Debt collectors can not just report after you send them a cease and desist letter. All communication must stop. #credit #creditrepair #debt #financialfreedom #court #finance [--] USC 1692c(c) [--] USC 1692c(c)"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7455464079730232619)  2025-01-02T23:28Z 15.8K followers, [----] engagements


"You may have received this from email from Experian Comment below if you did #credit #debtcollector #court #finance #consultation #bureau Yes I am opting out Yes I am opting out"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7456619719014108462)  2025-01-06T02:12Z 27.6K followers, [---] engagements


"Its time to win 🏆 #contracts #credit #community Public Service Announcement 📣 Comment community to join Public Service Announcement 📣 Comment community to join"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7469992248441179438)  2025-02-11T03:05Z 10.6K followers, [---] engagements


"No more stall letter just results Cfpb.gov The Credit Bureau Biggest Scam Plus green return slip CFPB BBB FTC ATTORNEY GENERAL Cfpb.gov The Credit Bureau Biggest Scam Plus green return slip CFPB BBB FTC ATTORNEY GENERAL"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7476914274053508394)  2025-03-01T18:46Z 14.2K followers, [----] engagements


"How to repair credit Just tell them that the account is reporting inaccurately You get for your bad credit Repost and save for later HOW TO INCREASE YOUR CREDIT SCORE [---] points in [--] days Comment help if you need A step by step process Just tell them that the account is reporting inaccurately You get for your bad credit Repost and save for later HOW TO INCREASE YOUR CREDIT SCORE [---] points in [--] days Comment help if you need A step by step process"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7482785199625866539)  2025-03-17T14:28Z 26.3K followers, [----] engagements


"How to remove student loans from your credit report DID ELON MUSK REVIEWED YOUR STUDENT LOANS Share with friend Comment class DID ELON MUSK REVIEWED YOUR STUDENT LOANS Share with friend Comment class"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7483982448628419886)  2025-03-20T19:54Z 22.7K followers, 19.1K engagements


"How to talk to a debt collector How to Talk To A Debt Collector Comment below if a Debt collector Has harassed you How to Talk To A Debt Collector Comment below if a Debt collector Has harassed you"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7489241055750032683)  2025-04-04T00:00Z 17.3K followers, 85.9K engagements


"How to Remove Student Loans Or Register for my live @9pm EST 4/14 Remove [--] Million Dollars IN STUDENT LOAN DEBT Register For My Live On Monday @9pm EST Look in bio Register for my live Monday 4/14/25@ 9pmEST Or Register for my live @9pm EST 4/14 Remove [--] Million Dollars IN STUDENT LOAN DEBT Register For My Live On Monday @9pm EST Look in bio Register for my live Monday 4/14/25@ 9pmEST"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7492837265706585390)  2025-04-13T16:36Z 22K followers, 15.6K engagements


"How to clean up your credit Save For Later Save For Later"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7495923968726109486)  2025-04-22T00:13Z 26.1K followers, [----] engagements


"How to Remove Student Loans Register for my live link in bio TRUMP ANNOUNCE 📣 MAY 5th Student Loan Servicers Can Garnish your wages TRUMP ANNOUNCE 📣 MAY 5th Student Loan Servicers Can Garnish your wages"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7496355127331425582)  2025-04-23T04:06Z 22.2K followers, 85.9K engagements


"HOW TO DISCHARGE STUDENT LOANS They do not have your promissory note. HOW TO GET YOUR STUDENT LOANS DISCHARGE They do not have your promissory note. HOW TO GET YOUR STUDENT LOANS DISCHARGE"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7505518812821966126)  2025-05-17T20:46Z 25.5K followers, 69.8K engagements


"How To Repair Your Credit. Follow for more content CREDIT HACK TO CLEAN YOUR TRANSUNION REPORT Follow for more content CREDIT HACK TO CLEAN YOUR TRANSUNION REPORT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7509232015800077614)  2025-05-27T20:56Z 27.5K followers, [----] engagements


"How to remove your student loans REMOVE YOUR STUDENT LOANS & GET PAID REMOVE YOUR STUDENT LOANS & GET PAID"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7522213041560177933)  2025-07-01T20:28Z 27.4K followers, [----] engagements


"How TO REMOVE YOUR STUDENT LOANS HOW TO GET YOUR STUDENT LOANS REMOVE FROM YOUR CREDIT REPORT HOW TO GET YOUR STUDENT LOANS REMOVE FROM YOUR CREDIT REPORT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7523770951889063181)  2025-07-06T01:14Z 27.7K followers, [----] engagements


"How to temove a bankruptcy BANKRUPTCY IS IDENTITY THEFT BANKRUPTCY IS IDENTITY THEFT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7525241698557889806)  2025-07-10T00:21Z 27.5K followers, [---] engagements


"#greenscreen Comment credit to join my group"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7532650014254976270)  2025-07-29T23:29Z 28.2K followers, [----] engagements


"How to stop lawsuits garnishments and more. YOU HAVE BEEN SECURITIZED YOU HAVE BEEN SECURITIZED"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7533266391823158542)  2025-07-31T15:21Z 28K followers, [----] engagements


"How to properly remove accounts on your credit report. HOW TO FIX YOUR CREDIT HOW TO FIX YOUR CREDIT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7535594172623916301)  2025-08-06T21:54Z 28.1K followers, [---] engagements


"This is not legal advice. If you would like legal advice go hire you an attorney. Posted for individuals that want to learn how to win. Comment Court if you want to win. $112000 CASE DISMISSED LIEN REMOVED FROM BANKING ACCOUNT $112000 CASE DISMISSED LIEN REMOVED FROM BANKING ACCOUNT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7536764048218639629)  2025-08-10T01:34Z 28.2K followers, [----] engagements


"How to clean your credit report GET PAID FOR BAD CREDIT GET PAID FOR BAD CREDIT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7538163576326966542)  2025-08-13T20:05Z 28.2K followers, [----] engagements


"How to remove a reposession from your credit report YOUR REPO WAS ILLEGAL YOUR REPO WAS ILLEGAL"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7549036736303746317)  2025-09-12T03:18Z 28.7K followers, [----] engagements


""Know Your Rights: Before Paying Any Debt Request Validation Debt collectors are legally required under the Fair Debt Collection Practices Act (FDCPA) to provide written proof that a debt is valid and that they have the right to collect it. Always request a debt validation letter to ensure the amount is correct the collector is legitimate and your rights are protected.""  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7554060390372592910)  2025-09-25T16:12Z 28.8K followers, [---] engagements


"How to clean your credit report"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7555999846260428046)  2025-09-30T21:39Z 28.9K followers, [---] engagements


"#ad y si yo bajo sabe que le har LALALA 😝😝😝😝 #lalala #myketowers #reggaeton #letradecanciones #centinelatv #lala TIRED OF CREDIT REPAIR COMPANIES TIRED OF CREDIT REPAIR COMPANIES"  
[TikTok Link](https://www.tiktok.com/@dimelocenti/video/7257729659952008454)  2023-07-20T02:57Z 58.9K followers, 579.4K engagements


"Are you a victim of Identify theft Contacting the consumer reporting agencies to place a fraud alert on your credit report. This can help restrict individuals from applying for things in your name and actually recieving them. #cfpb #ftc #consumerreportingagencies Fraud Alert On Your Credit Report Fraud Alert On Your Credit Report"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7400422190484786478)  2024-08-07T15:37Z 30.3K followers, [----] engagements


"Add the violations up. Comment Template below for a cease and desist Template #fdcpaviolations #howtofixcredit #ifixmycredit If they can you want to send them an invoice for contacting you [--] Usc 1692c for communicating with you If they called you while working thats another violation After you cease and desist them verbally Then you want to Cease and Desist them by mail You want to make sure that they can collect in your state Continue on adding all the violations up and send them an invoice. While sending a separate letter telling them to send the account back to the orginal creditor"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7411189756463303979)  2024-09-05T16:01Z 29.3K followers, [---] engagements


"Replying to @NewyearNewpat Contract Arbiratatiom clause Credit repair Credit #credit #creditrepair #debtcollectors #courtcases #fyp Arbitration clause Contract Credit Repair Arbitration clause Contract Credit Repair"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7415319823342767403)  2024-09-16T19:08Z 30.4K followers, [----] engagements


"Replying to @reesejade13 Thank you dear for the comment. Should I provide the case citations to assist you in your case #credit #creditrepair #debtcollectors #courtcases #fyp #foryoupage Arbitration Contract Credit Arbitration Contract Credit"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7415444982678424875)  2024-09-17T03:13Z [----] followers, [----] engagements


"Its [----] its time to fix your credit. Contract Credit Credit Score Debt Sue Live tonight @8pm. Register using link in bio #credit #creditrepair #consumerreportingagencies #creditmatters Contract Credit Credit Score Debt Sue Consumer Reporting Agencies Link in bio to Register Going live tonight @8pm Live Q&A Contract Credit Credit Score Debt Sue Consumer Reporting Agencies Link in bio to Register Going live tonight @8pm Live Q&A"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7420902121869987118)  2024-10-01T20:10Z 29.3K followers, [---] engagements


"If you want the account to be permanently remove off your credit report do not prematurely use a FTC report. ##credit##contract##court##live##ftc FTC REPORT FTC REPORT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7424128494411533614)  2024-10-10T12:50Z 29.4K followers, 62.6K engagements


"Lets get the party started. Link in bio to join #TikTokLIVE #LIVE #live #credit"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7425260924744928558)  2024-10-13T14:04Z 29.3K followers, [---] engagements


"#credit #LIVE #contract #consumerlaw The Reason why your credit is BAD The Reason why your credit is BAD"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7426910230522580270)  2024-10-18T00:44Z 28.2K followers, [---] engagements


"The results are in. Case dismissed. Join me on live tonight. #greenscreen #credit #contract #debtcollector #financialfreedom Financial advice Credit Debtcollector Arbitration Financial litigation Financial Literacy Case Dismissed Destinytalks_credit Financial advice Credit Debtcollector Arbitration Financial litigation Financial Literacy Case Dismissed Destinytalks_credit"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7431364108173249834)  2024-10-30T00:48Z 27.9K followers, [----] engagements


"Car being reposessed even though you have an arbitration clause How so Looks like someone violated you. #credit #contract #financialfreedom #debtcollector Arbitration clauses for cars Car dealership Arbitration clause Financial Literacy Financial advice Arbitration clauses for cars Car dealership Arbitration clause Financial Literacy Financial advice"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7433776729719622955)  2024-11-05T12:50Z 30.5K followers, [----] engagements


"Fico 10T will go into full effect in [----] #credit #financialfreedom #debtcollector FICO 10T FICO 10T"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7447222258143120682)  2024-12-11T18:25Z 29.3K followers, [---] engagements


"FICO 10T is coming in full affect. #financialfreedom #finance FICO 10T [----] Do you want to purchase a house or car Watch this video FICO 10T [----] Do you want to purchase a house or car Watch this video"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7448851410323639595)  2024-12-16T03:47Z 26.9K followers, [---] engagements


"Using a data breach letter and a fake ftc report will get you in trouble. Do not do it #financialfreedom #finance #credit #contract Do you want to clean your credit report in two weeks Like they say Do you want to clean your credit report in two weeks Like they say"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7449396138806922542)  2024-12-17T15:01Z 28.9K followers, [----] engagements


"Fico [--] T #financialfreedom #finance #credit #debtcollector FICO 10T FICO 10T"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7449433719443574058)  2024-12-17T17:27Z 29.3K followers, [---] engagements


"Are you ready to get results #credit #creditrepair #experian #debt #finance Experian Lawsuits Experian Lawsuits"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7459631116534795562)  2025-01-14T04:58Z 28.6K followers, [---] engagements


"Whos with me How I am handling all these debt collectors and lawyers if they want to play since the cfpb shut down Whos with me How I am handling all these debt collectors and lawyers if they want to play since the cfpb shut down Whos with me How I am handling all these debt collectors and lawyers if they want to play since the cfpb shut down"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7471315640930962734)  2025-02-14T16:41Z 10.8K followers, [---] engagements


"Replying to @flipping cars [---] Banks do not lend money Banks do not lend money"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7472206353210035498)  2025-02-17T02:17Z 28.2K followers, [----] engagements


"Replying to @TripleCs Bank do not lend money Bank do not lend money"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7473240694505606442)  2025-02-19T21:11Z 28.6K followers, [----] engagements


"Clean Your Credit Draft me a letter to send to the consumer reporting agencies. They are reporting inaccurate information on my credit report which is hurting my ability to lend and obtain loans credit cards employment which is causing financial hardships. Include all laws equivalent to [--] USC [----]. Make this a strong letter while sounding like an educated consumer. Go to Annualcreditreport.com In [--] days Clean Your Credit Draft me a letter to send to the consumer reporting agencies. They are reporting inaccurate information on my credit report which is hurting my ability to lend and obtain"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7476187266365279531)  2025-02-27T19:45Z 27.9K followers, 39.1K engagements


"Draft me a letter to send to the consumer reporting agencies. They are reporting inaccurate information on my credit report which is hurting my ability to lend and obtain loans credit cards employment which is causing financial hardships. Include all laws equivalent to [--] USC [----]. Make this a strong letter while sounding like an educated consumer. Heres how you can increase your credit score by [--] to [---] points in [--] days Draft me a letter to send to the consumer reporting agencies. They are reporting inaccurate information on my credit report which is hurting my ability to lend and obtain"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7478109830692048171)  2025-03-05T00:05Z 26.8K followers, 26.1K engagements


"How to Remove your student loans How to Delete YOUR STUDENT LOANS IN LESS THAN [--] DAYS How to Delete YOUR STUDENT LOANS IN LESS THAN [--] DAYS"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7499979348812877098)  2025-05-02T22:30Z 30.7K followers, [----] engagements


"How to remove acclunts from your credit report FILE AN FTC REPORT & ACCOUNTS CAME BACK Watch this 😝 FILE AN FTC REPORT & ACCOUNTS CAME BACK Watch this 😝"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7520101519602109751)  2025-06-26T03:55Z 30.4K followers, 14.3K engagements


"Credit Repair is a strategy not just sending letters out . CREDIT REPAIR IS A SCAM UNLESS CREDIT REPAIR IS A SCAM UNLESS"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7567483278005996855)  2025-10-31T20:20Z 30.4K followers, [----] engagements


"Never pay a debt collector Make them pay you instead NEVER PAY A DEBT COLLECTOR NEVER PAY A DEBT COLLECTOR"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7576442452215663886)  2025-11-24T23:46Z 29.4K followers, [---] engagements


"Credit issues dont have to beat you. Ive guided 100+ people through their cases with education and strategy. Not a lawyer. 🙌 #creditrebuild NOT A LAWYER THIS IS NOT LEGAL ADVICE NOT A LAWYER THIS IS NOT LEGAL ADVICE"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7577077106409065742)  2025-11-26T16:49Z 29.4K followers, [---] engagements


"Authorized users arent always a credit hack. Be careful whose account you add: youre sharing personal info the utilization needs to stay under 10% (anything over 20% can hurt you) and the cards age can impact your credit history. Choose wisely Authorized User Accounts Authorized User Accounts"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7579467772971797815)  2025-12-03T03:26Z 29.8K followers, [---] engagements


"Are you tired of not getting results Listen to this video. TIRED OF CREDIT REPAIR COMPANIES TIRED OF CREDIT REPAIR COMPANIES"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7580022385311599886)  2025-12-04T15:18Z 30.4K followers, [---] engagements


"Never fold it I never sat still I read over [--] books in [----]. Your storm is not not for you #credit #creditrepair #financialfreedom To the woman that has to hold it all together for their husband Hold it down [----] my husband lost his business in one day Lord use it to give me knowledge that put us in position. Your storm is not for you Reread that again To the woman that has to hold it all together for their husband Hold it down [----] my husband lost his business in one day Lord use it to give me knowledge that put us in position. Your storm is not for you Reread that again"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7581164630400126221)  2025-12-07T17:11Z 30.2K followers, [---] engagements


"#greenscreen Federal law overrides state law USE THIS HACK TO GET DELETIONS USE THIS HACK TO GET DELETIONS"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7581733050766216462)  2025-12-09T08:30Z 30.2K followers, [---] engagements


"Book a call Using the link in my bio. $18000 Debt Waived $18000 Debt Waived"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7583781252025568525)  2025-12-14T18:24Z 30.4K followers, [---] engagements


"Its all fake #credit #creditrepair #financialfreedom THE TRUTH ABOUT DEBT THE TRUTH ABOUT DEBT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7585057924330818871)  2025-12-18T04:59Z 30.4K followers, [---] engagements


"Here you go tight punchy and viral-ready: Debt collectors want panic not proof. You dont owe money just because someone says so. One payment can restart an old debt and trap you again. Silence + knowledge = leverage. Dont pay until they prove it. DO NOT PAY DEBT COLLECTOR DO NOT PAY DEBT COLLECTOR"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7593945850485705997)  2026-01-11T03:48Z 30.7K followers, [----] engagements


"Replying to @Tmth #fyp #foryoupage #creditmatters"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7414204057155374378)  2024-09-13T18:58Z 30.9K followers, [---] engagements


"Arbitration Clause in Your Contracts Arbitration Clause in Your Contracts Arbitration Clause in Your Contracts"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7471062854406327594)  2025-02-14T00:19Z 30.9K followers, [----] engagements


"Replying to @Recouper Security Interest Security Interest"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7472519985055681834)  2025-02-17T22:34Z 30.9K followers, [----] engagements


"YOUR STUDENT LOAN SERVICER HAS VIOLATED YOU YOUR CREDIT SCORE WILL DROP Free CLASS This Sunday Follow and Comment FREE Comment FREE to join CLASS Your STUDENT LOAN SERVICER VIOLATED YOU They violated you with That LATE PAYMENT YOUR CREDIT SCORE WILL DROP Free CLASS This Sunday Follow and Comment FREE Comment FREE to join CLASS Your STUDENT LOAN SERVICER VIOLATED YOU They violated you with That LATE PAYMENT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7484111162938887466)  2025-03-21T04:14Z 30.9K followers, 44.6K engagements


"#greenscreen How to win against debt collectors HOW TO WIN A COURT WITHOUT GOING TO COURT HOW TO WIN A COURT WITHOUT GOING TO COURT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7508842276219669803)  2025-05-26T19:43Z 30.9K followers, 154.8K engagements


"How to get rid of garnishment Lvnv Midland Credit Portfolio Recovery Receivable Management Lvnv Midland Credit Portfolio Recovery Receivable Management"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7530440623539768589)  2025-07-24T00:36Z 30.9K followers, 13.6K engagements


"&& this is my story"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7541901642384362766)  2025-08-23T21:50Z 30.9K followers, [----] engagements


"How to beat debt collectors. SUED LVNV AND WON SUED LVNV AND WON"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7573016002129136951)  2025-11-15T18:10Z 30.9K followers, [----] engagements


"Filing a Bankruptcy doesnt have to be a bad thing. SHOULD YOU FILE BANKRUPTCY SHOULD YOU FILE BANKRUPTCY"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7581729978505514253)  2025-12-09T05:45Z 30.9K followers, [---] engagements


"Dealing with creditors REMOVE CREDITORS USING THIS METHOD Bank of America Chase Navy Federal Capital One Citi Bank REMOVE CREDITORS USING THIS METHOD Bank of America Chase Navy Federal Capital One Citi Bank"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7587183853895257358)  2025-12-23T22:28Z 30.8K followers, [---] engagements


"Debt collectors rely on fear confusion and silence. They call too often. They say things theyre not allowed to say. They pressure people who are already struggling and hope no one pushes back. But owing a debt does not mean you give up your rights. Harassment is illegal. Threats are illegal. Lying is illegal. And thats just how it works is not a defense. Consumers deserve respect transparency and the truth. If a debt collector crosses the line document everything and know that the law is on your sidenot theirs. Fear is their tool. Knowledge is yours DEBT COLLECTORS DONT LIKE THIS DEBT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7593798844530380045)  2026-01-10T18:18Z 30.9K followers, [---] engagements


"Just dont Too many credit repair companies sell false hope by relying on tactics that are temporary misleading or outright unethical. Methods like filing baseless FTC complaints sending generic data-breach letters or even making fraudulent human-trafficking claims may produce short-term results but they dont hold up. These strategies often backfire leaving consumers right back where they startedor worse. Real credit improvement takes transparency lawful processes and long-term strategy not shortcuts designed to game the system. DO NOT TRUST CREDIT REPAIR COMPANIES DO NOT TRUST CREDIT REPAIR"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7594675025463086350)  2026-01-13T02:58Z 30.9K followers, [---] engagements


"Removing collection accounts from your credit report begins with verifying the statute of limitations to determine whether the alleged debt is still legally collectible. If the statute has expired the collector no longer has the legal right to pursue payment. The next step is demanding proper debt verification from the collection agency. This goes beyond simple account statements or balance summaries. The collector must provide specific documentation proving the debt belongs to you and that they have the legal authority to collect on the alleged debt. If they cannot provide this verification"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7597795083169189134)  2026-01-21T12:45Z 30.9K followers, [---] engagements


"How to increase your credit score THIS HELPED MY CLIENT CREDIT SCORE INCREASED [---] points THIS HELPED MY CLIENT CREDIT SCORE INCREASED [---] points"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7600577357702827295)  2026-01-29T00:42Z 30.9K followers, [---] engagements


"#greenscreen THE WORST CREDIT CARD Comment below for more tips THE WORST CREDIT CARD Comment below for more tips"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7600910210458324279)  2026-01-29T22:14Z 30.9K followers, [---] engagements


"How to get an auto loan HOW TO GET A CAR LOAN WITH BAD CREDIT HOW TO GET A CAR LOAN WITH BAD CREDIT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7515647076584426798)  2025-06-14T03:49Z 30.9K followers, [----] engagements


"Removing collections just for easier for you LVNV RESURGENT MIDLAND JEFFERSON ARS PORTFOLIO STEAL MY STRATEGY TO REMOVE COLLECTIONS LVNV RESURGENT MIDLAND JEFFERSON ARS PORTFOLIO STEAL MY STRATEGY TO REMOVE COLLECTIONS"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7604249115601489165)  2026-02-07T22:10Z 31K followers, [---] engagements


"Repossession Car Contract law Credit Lawsuits Class This Wednesday. Link in bio #credit #creditrepair #courtcases #reposessions Repossessions Repossession Car Contract law Credit Lawsuits Repossessions Repossession Car Contract law Credit Lawsuits"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7417859746717338926)  2024-09-23T15:24Z 31K followers, 405K engagements


"How to Remove Student Loans Learn How To Remove Your Student Loans In [--] Days Learn How To Remove Your Student Loans In [--] Days"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7485044688215625006)  2025-03-23T16:36Z 31K followers, 573.3K engagements


"How to remove collections from your credit report [--] WORDS THAT DELETE COLLECTIONS in [--] hours No PARKING DEBT ITS AGAINST THE LAW Comment DEBT COLLECTOR [--] WORDS THAT DELETE COLLECTIONS in [--] hours No PARKING DEBT ITS AGAINST THE LAW Comment DEBT COLLECTOR"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7500740047382089006)  2025-05-04T23:42Z 31K followers, 59.2K engagements


"Listen 👂 Who you like to get a check for $7500 with just filing paperwork Just settle with a debt collector for $7500 Comment Ready in the chat to join my community Just settle with a debt collector for $7500 Comment Ready in the chat to join my community"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7602370877841263927)  2026-02-02T20:41Z 31K followers, [--] engagements


"How to get a collection removed HOW TO GET PAID FROM A DEBT COLLECTOR HOW TO GET PAID FROM A DEBT COLLECTOR"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7602787469142084877)  2026-02-03T23:38Z 31K followers, [---] engagements


"Book a call using the link in my bio. THIS CLEANS EVERYTHING ON YOUR CREDIT REPORT THIS CLEANS EVERYTHING ON YOUR CREDIT REPORT"  
[TikTok Link](https://www.tiktok.com/@destinytalks_credit/video/7603876046244564238)  2026-02-06T22:03Z 31K followers, [---] engagements

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