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 150+ points!
We are committed to helping you achieve the same level of success!
We Are a Credit Coaching & Financial Education Services Firm.  Through our 1-on-1 Consultations, DIY Courses, Personalized Financial Coaching Programs, and Online School, we’ve been able to Educate, Equip, & Empower over 200,000 women and couples – just like YOU – with the Knowledge, Tools, Resources, and Strategies to TRANSFORM Their Credit Scores!

Are You Ready for Your Transformation?



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 create a Personalized Plan of Action that fits your unique credit profile, so that you can achieve the best results possible!

The Initial Credit Consultation is $35.

During your Initial Consultation, we’ll review your credit reports, discuss your credit goals and, together, determine the program that’s best for you.

Summary of Credit Services Offered:

Want me To Teach You How to Soar Your OWN Credit Scores?

My Credit on Fire Academy is… well, FIYAH!  I will provide you with everything you need to Repair, Restore, Rebuild, & Light Your Credit Scores on FIYAH – full-length Video Instructions where I’ll teach you – from start to finish – how to Fire It on your Credit Reports, over 200 Dispute Letter Templates, Downloadable Step-by-Step Instructional Guides, Bi-Weekly Group Q & A/Coaching Calls for additional support and MORE!


BONUS:  Every Quarter, we’ll cover a Wealth Building Topic that focuses on Entrepreneurship, Real Estate Investing, or a Topic selected by YOU, our Wealth Creator. You’ll have direct access to me and my team via Live Lessons, Q & A Sessions and Hot Seats.


I created Credit on Fire Academy because I firmly believe that Applied Education is POWERFUL!  I am committed to creating an Army of FICO Building, Debt Slaying, Wealth-Creating Prosperity Partners who are committed to changing the faces of ownership in our communities and defying the statistics of Wealth for Minorities in America.


Are You With Me????

YES, I'm With You! - $19.97

Have a question?

Need a little direction on how to handle a specific credit situation?  This consultation is for you!  We’ll discuss your credit situation, review your credit item(s) on your credit reports, and answer your questions to get you on the right track!


This consultation is best if you need a quick and reliable answer to your credit question, or are unsure how to handle a financial dilemma and need professional input.

Schedule A Credit Chat - $35

Need a step by step plan of action to Soar Your Credit Scores?

This is the consultation for you!  You’ll provide us with your credit reports a minimum of 48 hours prior to your scheduled consultation.  We’ll spend up to 2 hours analyzing your credit reports, line by line, to create your customized plan to repair and rebuild your credit scores!  We’ll review that Plan of Action with you during your 30-minute telephone consultation to ensure you completely understand your next steps and to answer any of your questions.


You’ll leave your consultation with a Written Summary of your Call, dispute letter templates that fit your unique credit circumstances, clarity and peace of mind, knowing your current FICO scores will soon be a thing of the past!



Schedule Credit Consultation - $199

90-Day Credit Slay Program

Have you started repairing your credit, and then got confused, or stuck on what to do next?  KISS ALL OF THAT GOODBYE!  This credit-soaring program takes the guesswork out of your credit repair journey!


We will spend up to 2 hours analyzing all 3 of your credit reports, line by line, to create a customized 90-Day Plan of Action to Repair, Restore, Rebuild & Soar Your Credit Scores!  We’ll review that Plan of Action with you during your 30-minute telephone consultation to ensure you completely understand your next steps and to answer any of your questions.


Your 90-Day Action Plan will include the specific items that need to be disputed (and why) to achieve your credit score goals, the dispute letters to challenge them; the accounts that may need to be settled, balances reduced, or negotiated for Pay-to-Delete; and specific accounts to add to your credit profile – with instructions on how to use them – to begin rebuilding your credit scores with the right products.


You’ll receive 60-Days of Email Support & One Follow-Up Consultation within 90 days of your initial consultation to ensure you remain focused and on the right track to 700+ Credit Scores.


You’ll leave your consultation with your Full 90-Day, Step-by-Step Action Plan, Personalized Dispute Letters that you can mail off right away, and Dispute Letter Templates tailored to your Unique Credit Circumstances.  Your Credit Transformation is Just A Click Away!


All You Have to Do Is:

  • Open Your Plan of Action and Go to MONTH ONE
  • Mail Month One’s Dispute Letterfullyull customized with your information and bureau/furnisher’s mailing address)
  • Follow Your Credit Soaring To-Dos for Restoring and/or Rebuilding (What credit products to add, what to pay off/down, what to settle, etc.)
  • Take the Classes Recommended for the Month Inside of Credit on Fire
  • Repeat for Months 2 & 3!
  • Gain Continuous Support for 60 Days via Email
  • Schedule Your Follow Up Consultation within 90 days
  • Installment Plan:  $249 & 2 Installments of $105


As a Bonus, you’ll receive 30 Days FREE inside of my Credit on Fire Academy Members Club to provide further support and guidance in soaring your credit scores!


Want Us to Work Your Plan of Action for You?

Our 90-Day Personal Credit Coaching Program is for you!  We’ll mail your dispute letters on your behalf!  You’ll receive your full Action Plan, copies of the letters we’ll be mailing off for your records, and we’ll do all the tracking, logging and mailing for you!


You’ll receive:

  • 90-Days of Email Support
  • 2  Follow Up Consultations within 120 Days
  • 1 Exit Strategy Action Plan
  • $699 – *Installment Plan:  $299 & 3 Installments of $134
Slay My Credit! - $457

Need A Complete Credit Transformation?

We specialize in Credit Transformations!


My Budgeting & Credit Coaching Program tackles credit from the inside out.  You see, our Credit Reports are simply a reflection of our current and past financial behaviors. So, if we want to achieve a complete credit transformation, we’ll have to go to the root of the problem – your money!


Your Coaching will start with our My Money MasteryWorkbook. Here, you’ll log all of your income and expenses for us to review.  We’ll spend an hour or more together creating a Workable Budget tailored specifically to you and your short-and long-term goals.  Ideally, your 1-on-1 Budgeting Coaching Call will be scheduled within 3 days from the date you receive your workbook.


After we’ve developed a workable budget, we’ll schedule your Credit Coaching Session. Here, we’ll analyze your credit reports, line-by-line, to determine the best strategy to help you meet your credit goals. 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 your Initial Consultation.  You’ll receive personalized dispute letters that can be mailed off right away, a step-by-step action plan on how to rebuild your credit scores and move toward the 700 Club and beyond!


As a bonus, you’ll receive access to my Credit on Fire ~ Credit Building Academy for 30 days, to provide further education and support in your Credit-Transformational Journey; along with two Follow Up Coaching Calls (1 for Credit & 1 for Budgeting; good for 90 days).


*Installment Plan:  3 monthly installments of $232.34*

Transform My Credit Scores - $697

6-Month 1-on-1 Credit Coaching Program

Ever wanted your very own Personal Credit Coach to work with you exclusively – hand in hand – to help you Soar Your Credit Scores for GOOD?


This is it!


No more waiting for someone to contact you, keep you in the loop, or email you about what’s going on with your credit file.  Your Personal Credit Coach will be there for you every step of the way!


Our 6-month Personal Credit Coaching Program was designed to give you all the tools, mentoring, advice and support you need to Soar Your Credit Scores in record time!  You’ll be armed with the most accurate, and up-to-date credit tactics available, backed by Federal Consumer Right Laws.  It is designed to approach Credit Improvement from a 360-degree method – Repair, Restore, Rebuild.


We’ll start by scheduling an Initial Consultation to discuss your credit goals, review your reports, pinpoint financial areas of concerns and to go over any questions you may have regarding your credit, current debts, and our program.

The Initial Consultation is $35 and will be deducted from your investment for services if we decide we’re a good fit for each other.


Next, we’ll perform a Full Audit of your Credit Reports, where we’ll spend up to 2 hours analyzing your credit reports line-by-line to develop the best solutions for you to begin Soaring Your Credit Scores right away!  We’ll discuss this Action Plan with you during your 30-Minute Credit Consultation.


Dispute Letters will be created for you, and upon your approval, will be mailed off on your behalf; you’ll receive a 90-Day Action Plan filled with financial To-Dos that you will begin working on ASAP.


Each month, or upon receipt of your credit bureau responses, a Follow Up Consultation will be scheduled, to review documents received from the credit bureaus, advise you of your next Credit Building/Debt Payoff steps, create additional dispute letters (if necessary), and to ensure your initial 90-Day Action Plan is up-to-date and intact (Total of 5 Follow Up Personal Credit Coaching Calls, One of Which Can be Utilized for A Budgeting Consultation).


After your initial 90 days have passed, we’ll create another Action Plan for you to continue your Credit Soaring Journey.


*You will work with ONE Credit Coach throughout the entire program.  They will be available for email support in between consultations to ensure you stay the course for the entire 6 months, and provide additional strategies that will empower you for a lifetime! We don’t just fix credit; we TRANSFORM them!


As a bonus, you’ll receive 6 Months Paid Membership inside of my Credit on Fire Academy.


*Installment Plan – $399 Credit Audit; $245.20/mth*


  • "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!"


Video Testimonial:

Video Testimonial:

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 Schedule Your Consultation.

NOTE:  We are a Financial Education Services Firm.  We provide Credit Consultations, Courses, and Financial Coaching Services to empower YOU to take your Credit & overall Finances to the Next Level!

~ Netiva

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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!