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 got my FICO yesterday, trans is 570, ex is 580, eq is 583. That's over 100 points in one month thanks to your help! All my four judgments are gone from three bureaus, all because of your letters!

  • My credit is no longer dismal! Back in January, when I started working on my credit it was DISMAL! I've gotten tired of calling creditors, writing letters to creditors, doing rain dances and praying creditors would just go away! But looking at these numbers I am encouraged to keep going!! TransUnion has deleted a total of 16 collection accounts from my credit report for a total of $10, 391. Equifax has deleted a total of 21 collection accounts from my credit report, for a total of $12, 910. I've also had a judgment deleted from my public records file.

  • I officially have no collections account! Just checked my credit report and I officially have no collections account, no liens and no judgments! Glory to the lamb of God!

  • I open mail with excitement! I open mail with excitement of having the knowledge and power to handle whatever is inside ; bills, collections, judgments, etc. This is a testament to your wise counsel and outpouring of your knowledge.

  • If you don't participate in nothing else, DEFINITELY take advantage of the Rock Your FICO course! You will learn all things Credit, Disputing, to advanced Techniques for Bankruptcy, Tax Liens, Judgments, etc. It goes beyond your basic steps and gets into the nitty gritty of every situation. You will learn how to read credit reports, understand the coding the Bureaus use, laws that are in place to protect you the consumer (Insert Breathe Here) Whew!!! LOL.. You will not be disappointed!

  • "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
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