About Netiva ‘The Frugal CrediTnista’


Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Coach, Educator, Credit Expert, Realtor, and ‘Real Life’ Budgeting Enthusiast!

As the founder of MNH Financial Services, LLC, it is her personal mission to Educate, Equip and Empower women and couples with the solutions they need to confidently & permanently Transform their  finances.

Having personally overcome being over a half-million dollars in debt & experiencing the shame of foreclosures, repossession, bankruptcy, tax liens, judgments and practically every other poor credit rating there is; she can easily relate to those suffering from the stress and embarrassment that debt and poor credit can bring.

With an MBA in Finance, and certifications in the credit industry; Netiva has utilized her education, work history, and personal experiences to incite others to transition their finances from being financially limited to financially limit-less.

Personal Message:

“Thank you for vising my site!!!  I truly appreciate it :).  Hopefully, you’ll find great content to get you on your way to Mastering Your Money, Destroying Your Debts & Soaring Your Credit Scores!

I am a strong believer of empowerment through education.  In my blogs, events, workshops, 1-on-1 or group coaching programs, I am all about EEET – Educating, Equipping, Empowering & Transforming.

I’ve used this exact same strategy on my own finances, and in three it allowed my husband and I to soar our credit scores well over 150 points, purchase our home and 2 cars – free and clear, – implement a strategic investment plan, and to lay the foundation to building a secure financial future for our family – that feeling is priceless!  And I want all of you to feel the same way.  It is a journey; and we are no where near done (these darn student loans!!!).  However, believe me when I tell you; the rewards of this journey is oh so sweet!

I can’t wait to share and hear all of your success stories (please comment and share in our Facebook Community) as we embark on this debt-free journey together!

Your Partner in Prosperity;

~ Netiva “The Frugal CrediTnista”

  • "I started at 429; now I'm at 583 in less than one month!   All my four judgments are gone from three bureau...they were paid and satisfy but wanted them gone... all because of your letters!!!"

    (Verified DIY Kit Purchase)
  • "I recently started working with Netiva and i am already so happy that i did! Big difference on my credit score in less thAn 10 days i got 2 judgments and 1 collection removed...I can't say enough positive things about MNH CREDIT SOLUTIONS, I would advise everyone who is suffering from low scores or negative items on your report to get help from MNH CREDIT SOLUTIONS"

    Naomie Chervil
  • "Working with Netiva of MNH Credit Solutions has been absolutely amazing! It can be hard discussing your credit woos with a stranger, however, our session was extremely comfortable. After my consultation, I received information promptly to follow through with the plan devised by MNH Credit Solutions.  Without hesitation, I was guided through some small hiccups to ensure I was off to the right start. I look forward to our next steps. Sincerely, KLH"

    Kia H
  • "I am ready to begin the process of buying a home but, my credit sucks. I have known and trusted Netiva through real estate deals in the past and decided to reach out to her for guidance on cleaning up my credit. As expected, she was awesome! She walked me through the process step by step teaching me how to remove unwanted credit blemishes as well as tips to begin the process of rebuilding my score. Netiva genuinely cares and she provides real life examples to help you further your understanding of how to get the job done. She also thoroughly explains the importance of choosing wisely with the credit decisions we make and how it effects us directly."

    Monique Wallace
  • "I cannot stress how grateful and thankful I am of the services that I received from Netiva and MNH Credit Solutions. She is very knowledgeable and well-rounded in the field. I had an issue that I have been trying to resolve for the past year. I followed every advice and guideline she gave me and the matter was successfully resolve that same week. I highly recommend her services to anyone looking for credit restoration. She was always available every time I had a question regarding my credit reports. The education that I receive from her, I am able to better understand my credit reports and how to keep a healthy file. I am on the right track thanks to Netiva and MNH Credit Solutions."

    Micana Carrenard
  • "I had a great consultation session with Netiva! She is very knowledgeable in what she does, very professional and straight to the point. She helped me understand my credit report and explained everything in detail. She explained the steps I needed to take to head in a better financial direction and has been available to answer any questions that I have had. After my consultation I felt much better about my situation."

    Monique Morris
  • "I can not say enough great things about Netiva and MNH Solutions! MNH has helped me gain a better understanding of my current credit situation. Netiva was knowledgeable and explained to me all the possible scenarios and outcomes based on the steps I could take. She helped me understand items on my report that I have been confused about for years! There are so many companies out there that will offer you services but in my experience none of them have explained things to me in a way that made me feel completely at ease with my financial situation, Netiva gave me advised that has already paid off for me in the short amount of time I have been working with her. She makes me feel comfortable and she doesn't judge me or my questions and that is so important to me. This credit and finance stuff can be so consuming and frustrating. If you are looking for help getting your finances back on track, you have come to the right place! You will be so happy you took the first step and you will be kicking yourself for not enlisting their services sooner! She really does care about you and what you are going through and for me that made all the difference. Thank you for everything!"

    Chiazor Arah
  • "I had an excellent consultation with Netiva! She was very knowledgeable and professional. She gave me some sound advice and I look forward to working with her as I rebuild my financial portfolio!"

    Donna A.
  • "Soooooooooooooooo excited!!!  I took your advise, the creditor was very nice and agreed to work with me.  So...$3200 went down to $1322!!! I have letter of satisfaction already filed with the court for the judgment and I can take the bar exam!.  Thank you!!"

    Nicole J.
  • "Netiva!  I was approved for a secured card with Capital One!  I saw the letter in the mail and I was so excited. Most people probably wouldn't be this excited for a secured card but I have come a long way, a few months ago they wouldn't even approve me!  Thanks so much for your support!"

Contact Us

Questions or concerns? Send me an email