That’s my specialty! I’ve been helping people soar their credit scores for as long as I’ve been in the real estate industry (≥ 13 years!).
When you work with my team of certified credit experts, rest assured you’re in the hands of professionals who genuinely care about your success. Collectively, we have over 15 years of experience, and have personally raised our own credit scores 120+ points!
We are committed to helping you achieve the same level of success!


We’ll Develop a Personalized Plan to Soar Your Credit Scores!

No two credit reports are alike. Your goals, circumstances and finances are unique to you.  This is why it’s so important to hire a credit professional to tailor a personalized credit repair plan that fits our unique credit profile to achieve the best results possible.   Before the Credit Audit investment is assessed, an Initial Credit Consultation is scheduled to review your credit reports.   We use this information to develop a customized plan of action tailored to YOU.
The Initial Credit Consultation is $35.
If you hire us to Soar Your Credit Scores, the Initial Credit Consultation investment will be deducted from your Credit Audit.

Credit Audit/File Review

We will analyze your credit report line-by-line to determine the best strategy to address each negative account.

We’ll also offer solutions on how you can build your credit to meet popular credit-lending underwriting guidelines; and to meet the goals that you outlined during our Initial Consultation.

Your Personalized Plan of Action will be sent to you in a downloadable pdf, along with Credit and FICO Scoring details to educate you on how to further Soar Your Credit Scores.

Your Initial Round of Dispute Letters are mailed within 72 hours after you have approved your Personalized Plan of Action.

Pay After Deletion*

Scared of Paying, then Praying?  With this service, you’ll only be charged for items that have been successfully removed from your credit report!

We will review your credit file for results every 37 days, and send you an invoice with items that were successfully removed. The deletion of ANY item from ANY bureau counts as ONE (1) deletion. The deletion of any account or public record from all three credit bureaus counts as THREE (3) deletions.

Once you’re invoiced for items that were deleted, you will be billed no more than $100 a month (unless you instruct us otherwise) until your balance is paid off in full.

Example, if successfully removed 4 items, we will send you an invoice for $200; you will be required to pay $100 a month for 2 months to pay the balance in full. You will never be charged for items that were not repaired, updated, or removed from your reports.

Cost Per Item, Per Bureau:

  • Collections| Charge-offs | Repos | Medical Bills | Late Pays – $50
  • Foreclosures/Short Sales – $50
  • Inquiries – $25
  • Judgements, Bankruptcies, Tax Liens – $150
  • Personal/Technical Data – FREE

Monthly Subscription Services

$225 Credit Audit/File Review

Same Great Service, in A More Affordable Monthly Package!

Our Monthly Subscription Credit Repair Services require a 6-Month Commitment.  All of our Credit Repair Programs include:

  • Personal review and monitoring of your reports on a monthly basis; ensuring you’re on track to reaching your financial goals while in our program.
  • Documentation preparation, generation, and mailing of all correspondence to creditors, credit bureaus, and collection agencies.
  • Monthly Progress Reports,which can be viewed in your client portal 24/7.
  • Unlimited Email Support via your Client Portal Messenger (Phone Support via our online scheduler)
  • Assistance Rebuilding & Strengthening your overall Credit Profile
  • Credit Education
  • My Personal Guarantee that we will work effortlessly to assist you in Soaring Your Credit Scores as efficiently as possible!

Our Strategy

While other credit repair companies will only dispute your accounts with the credit bureaus, our company will file your disputes directly with the collection agencies, your original creditors and the credit bureaus to correct or remove inaccurate information from your credit report, giving you the best possible chances of improvement. We can address anything and everything hurting your scores:

  • Collections
  • Charge-offs
  • Judgments
  • Tax liens
  • Bankruptcies
  • Foreclosures
  • Inquiries
  • Late pays

Questions? We’d love to help; Send us a message here!

Did you Grab My 101 Credit Tips?  How about another Freebie??  My *Free* 5-Day Credit Challenge!  

Are you Apart of our Growing Online Community? We’ve average a credit score increase of over 150pts, and have destroyed over $100,000 in debt!

Join Us for Free!  Credit Makes $ense Facebook Group

Build and/or Establish New Credit: Building positive credit while addressing the negative items on your credit report, is a critical part of the credit repair process. Your assigned Credit Soaring Specialist will help you determine which cards and/or installment loans are right for your and your current credit profile. They will also detail specifically how to use and manage your new credit account to ensure your scores move in the direction we want them to – UP!
What We Expect From You: It is imperative that you maintain a paid credit monitoring service throughout your program with us. It is super important to send us any mail, emails, or any other correspondence that you receive from the credit bureaus, collection agencies, original creditors, courthouses, attorneys, etc. ASAP! Be patient! With mailing time, it typically takes 37-40 days to receive a response from the credit bureaus. DO NOT apply or open any new accounts while in our program, unless discussed/directed to do so by your Credit Soaring Specialist; doing so could severely tank your scores beyond immediate repair and we’ll have no choice but to terminate your program. Indulge in the education! We are committed to ensuring that you are our credit repair client once! The only way to make this happen is to take advantage of the financial education provided to you with your program. Communicate! We cannot provide stellar services if we cannot get in touch with you regarding pertinent details in your credit file. When we call – answer; when we text – answer; when we email – answer – you get the picture :).
Perks As A Client: You’ll receive access to our client-only educational center, Good Credit University, that is filled with awesome financial information, worksheets, action guides, etc. on budgeting, financial goal setting, how to settle debts, tips on purchasing a home, how to tackle student loans, and more! This is free to you as a client. You’ll also have an assigned Credit Soaring Specialist, who will work on your file exclusively to ensure you are getting the very best service and results.

Ready to Get Started? Awesome-Sauce!?

Join 1000’s who’ve said ‘YES’ to Soaring their Credit Scores with The Frugal CrediTnista!
Click the button below to complete the Client Pre-Enrollment Form.
A Member of our Prosperity Team will reach out to you within 24-48hrs to Complete Your Enrollment (business days only)
NOTE:  If you have questions, please schedule a consultation, this button should only be selected if you are ready to rock and roll.

Michelle’s Experience:

Nicole’s Experience:


  • "My niece registered at a state university never started.  The debt eventually fell off of her report.  In 2014, the state garnished her tax returns and the debt is back on her credit reports. She was going to negotiate a payment plan but I asked her to hold off while I sought sage advice.  Thanks Netiva Heard for helping us resolve this matter!"


    Anne D.
  • "Thanks for giving me my 'fresh start'!  I just got my first unsecured card thanks to you, and most importantly, I know how to use it responsibly!"

    Robin P.
  • "I've NEVER had a credit score in the 600s before!  I've purchased a home, cars, and anything I wanted all with credit scores between 560 and 589..  Four months with you and I'm at a 686, 699 and 703!  My credit offers have interest rates I've never imagined and I can go into any credit establishment confident that I'll get the best rates and terms.  Most importantly, I know how to better manage my money and my credit now!"  


    Maurice H.
  • "Your services were FANTASTIC!  I was with you for almost a year and when I wasn't fully engaged in the program and you offered to refund me ALL my money back I knew I had to get with the program!  After just 3 months in your budget management and credit restoration program I knew I made the right choice.  Three new tradelines, 8 collection items removed, 1 tax lien, and payment arrangements for my current credit accounts that were about to be charged off and I have gone from a 476 to a 644 on Transunion's monitoring service!  I will tell the world about you, thanks so much!!!" 

    Rai  R. 
  • "I called you in October of 2012 fully expecting to utilize your free consultation to my advantage and to do the work myself.  I tried for four months before realizing I needed to learn discipline in my spending habits in order to make a dent in these credit card bills.  When I started with you in March of '13 I thought you were crazy when you started 'trimming the fat' from my expenses and telling me that I could pay off all of my debts in 3 months that I've been trying to do on my own for 5 years!  Hear I am in June of '13 and I am completely free from my credit card debts, I have money in the bank and my scores have shot up over 65 points because of you.  As you told me during our first conversation; when you mind your money, your credit score will grow!" 


    Melinda F.
  • "Okay, Netiva!  I'm a believer; Credit Management sent a letter saying they will discontinue collection efforts and a deletion request will be submitted. Thanks for all of your assistance." 

    Greg D.
  • "Hello, Netiva.  Just an FYI, I called Capital One and was able to get my card switched over to QuickSilver AND get an increase of $2500.  I want to thank you for all of your help and I know you will not say I told you so but this is a good time for you to throw that in!  It's amazing how a person's perspective on things can change in such a short time." 


    Tom D.
  • "Netiva, thanks for the reminder to put PRIDE/Ego aside and seek additional assistance to help me meet my monthy expenses." 

    Sonia G.
  • "Thank you so much for the info you shared during our consultation, it was Awesome!!!  I sincerely appreciate it and your judgement-free attitude."  

    Sabrina S.
  • "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!"

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