About Netiva ‘The Frugal CrediTnista’


Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Educator, Credit Counselor, 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”

  • Hello Partnas! I just wanted express my appreciation for Netiva Heard. I have went through a lot of posts this morning in OUR 🙂 group and this woman is on point! I've seen her comment on so many posts. Giving great and honest advice. I have not seen anything negative or rude or unkind. I don't know about everybody else but this group given me so much hope in getting my credit right and ready. It has made me put on my 'big gurl drawls' lol and tackle my credit properly and effectively so in return it can work for my good. So again, thank you Netiva Heard....'your so amazing' (in my Moana voice) #Blessings

    Torrie M.
  • Hey Partna's!!! Not sure if you all remember my many post regarding Portfolio Recovery . This one debt which started reporting on my credit file a little over a year ago. I wrote 3 letters to them and filed a complaint to CFPB per Netiva's suggestion. Each time they would send a letter with a copy of 1 page of a statement...The debt was rather large( $3,547.94 to be exact) but I wanted to see it removed from my report so a few weeks ago I posted asking about settling the debt ( mind you it closed in 2013) and the SOL just passed as of Sept. Netiva kept saying she was confused about why I wanted to pay on this debt and suggested to file a complaint again. This time I was a bit more specific, as she suggested, and gave details of how it was stressing me (as Netiva advised)....2 days later (only 2 days) I noticed the collection account was not appearing in my Experian report and it was gone from Credit Karma. I didn't want to get my hopes up high and thought maybe it was removed during the investigation process. Well Partna's I'm here to tell you what a Happy Monday it is for me!! Today in the mail I get this!!! A LETTER OF DELETION!!!  Thanks Netiva...You Rock!!! 
    Partna's we got the real deal here. I Thank you Netiva for your coaching and mentorship you give in this Group. I'm one step closer to getting those keys to our new home!!!😁 😁

    Melinda J.
  • I had set an appointment with the hubby with a woman I know who is a mortgage planner. We had a great discussion and I was able to go in there with an understanding of the types of loans & what would be suitable for us, my debt-income-ratio AND my credit situation ALL because of this class! It was empowering to have the talk and have a plan. I am wiser now & this group has taught me that credit isn't a shackle to keep me from setting future goals. This group is an answer to prayers! 🙂 It was this day 4 years ago I filed for divorce and wasn't sure what or how I would crawl out of the financial mess I was in. And now look...won't God do it?!

    Nicole S.
  • That moment when you have 0 collections and your credit scores are up 150 points! Thanks Netiva Heard for your Bomb.com DIY credit repair tips and for inspiring and empowering us with your knowledge!

    Davida T.
  • Praise Report: Netiva thank you I signed up for courses and one video literally changed me and my children Credit outlook. You talked about applying for financial assistance program if your healthcare facility was a non-profit in your Medical Collections course. I did, gathered 25 pages of info and as of today I owe Wakemed Hospital $0! Not just me but my 4 children!
    Irina G.
  • Using the tools I've gained here, I've gotten organized over the past two and half months and began working hard. In the last month I paid my Walmart Credit card from 87% to 29% utilization. I've paid down my Best Buy credit card from 104% to 100%. I paid down my Capital One from 97% to 94%. Finally I've paid down one of my student loans from 100% to 92%. Small victories are the best victories in my opinion!! Beginner's tip: The small victories turn into big victories, so do like I do and embrace the little things!
    Darren J.
  • I have been waiting to share this for months! Got the keys to my brand new home! 5 years ago I lost my job and had a short sale. This was followed by the worst years of my live. Living above my means had finally caught up with me in more ways than one. Rebuilding was not easy and many times I wasn’t sure I would make it through. I was in financial ruin. Picking up the pieces meant learning to surround myself with people who ewer of substance. If I can do it, I promise you can too! Netiva Heard has been instrumental in my process. Offering advice and this group gave me so much support. Take it step by step, don’t overwhelm yourself. Stay faithful and don’t be too hard on yourself. What matters most in this journey is that you learn and pass on good habits to your children and families. I finally understand that being able to pay your bills on time and save for your future is where the real fun is at!

    Chiazor A.
  • Netiva Heard thank you for this group. I know it may not seem like much to anybody else but TODAY IS THE FIRST TIME IN MY LIFE that my credit rating has ever stated"FAIR".  . *I’m one of your DIY members.  I started last year with a dirty 500. (At one point it dropped below that). But now I see a glimpse of hope. Thanks again for allowing us to soak up some knowledge. You could have kept all of this great information to yourself but because you are sharing MANY OF US are being blessed.

    Tashia D.
  • Praise Report: Netiva thank you I signed up for your Credit courses and one video literally changed me and my children Credit outlook. You talked about applying for financial assistance program if your healthcare facility was non-profit. I did gathered 25 pages of info and as of today I owe Wakemed Hospital $0! Not just me but my 4 children!

    Irina G.
  • All the negative stuff on my credit has been falling off. Getting credit card offers in the mail

    Kimberly Hope Lofton 
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