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 across the globe with the solutions they need to confidently & permanently Transform their finances.  Because of her passion for helping her clients, students, and members to accomplish their financial goals, they have designated her as “The Goal Crusher’s Credit Coach”.  And she loves it!

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 real estate and financial 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 visiting!!!  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 in 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 nowhere 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”

  • Transunion score went from 535 to 648! Really excited because TU was my absolute worst score. Now to push it to 700.

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

  • One of the best investments ever!!! In just 2 months my credit scores have increased tremendously, at least 50 points, and just last week it went up another 11 points. You will not be disappointed!

  • The Credit on Fire Academy is THE GREATEST DIY BUDGETING AND CREDIT RESTORATION, REBUILDING AND FICO SCORE SOARING thing on this side of heaven. Benefits: affordable, self-paced, unlimited resources within the course, FB support group, topic specific courses, once you enroll, you have access to all of the available course and can focus on what you want or follow the suggested course paths, live Q&As and the list goes on...oh yeah, there is no commitment, you can cancel at anytime. I do not give false advertisements for anyone. I'm all about getting my money's worth and honey, I've gotten way more than what I've paid for and I'm just on my 2nd month. OMG, how could I forget the most important thing... Netiva Heard is the bomb.com. Just think about all of the information she gives freely at no cost, now multiply that by a million inside the Academy!

    Di Lathon
  • My credit score was in the 560s and since listening to Netiva Heard using what I’ve learned from her my score is now in the 700s and climbing....she’s very helpful and answered ALL questions trust ... you won’t be disappointed ..... Credit on !!!

    Lakii F.
  • I heard about Netiva through her Facebook page Credit Makes Sense Prosperity Club. She has a lot of free information and classes. Now I'm apart of her Credit on Fire Academy. My life is extremely busy but Netiva encourages us to take our time. Any questions that you post on either of her pages the community is there to answer and encourage. Most important so is Netiva. If I could afford it I wouldn't be apart of the academy, I'll pay Netiva to do the work for me. I don't trust, easily been burned too many times. But Netiva, even though I've never met her is an answer from God for me. My score has gone from a 504 to a 632 in less than a year because of the information I've learned from Netiva. God's Blessings!

    Vanessa S.
  • Thank you Netiva and this group; the information in this group is priceless! From 465 in 2/2017 to 591 in 11/2017!

      Irene G
  • I dramatically increased my credit score with her free information so I jumped on the opportunity to repay Netiva for everything by joining and supporting this academy. Lo and Behold, I'm learning EVEN MORE valuable information. Netiva is thorough, very knowledgeable and knows the credit laws/acts like nobody's business! She is an educator at heart. She cites sources so you can go verify the information yourself. Netiva is such a treasure in our community! We certainly need people like her in times like these.

    Jay M.
  • I'm A Believer!  I never thought I could repair my credit on my own.  I didn't think I had the time or the knowledge. Five months in your course, and I am now 90 points higher, and have saved over $2500!  Thank you so much, you have literally changed me and my kid's life!  I am more confident in myself and am happy I can pass this information down to my kids!

    Nikki M.
  • 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.

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My Credit on Fire Academy is where you'll learn ALL my trade secrets, tricks, and strategies to Soaring Your Credit Scores to 740 and beyond! I'll teach you what do, how to do it, when to do it and how to get the BEST results!
My Credit on Fire Academy is where you'll learn ALL my trade secrets, tricks, and strategies to Soaring Your Credit Scores to 740 and beyond! I'll teach you what do, how to do it, when to do it and how to get the BEST results!