Are You Ready to Take Your Credit OFF Life Support…?

Let’s face it. Bad credit? It sucks.

Whether you’re married or single, 25 or 55, NOBODY is immune from the negative effects of having bad credit.

Does any of this sound familiar? You want to:


If you’re shouting emphatically “YES!”, then keep reading!

  • 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!

    Nidia M.
    Nidia M.
  • I got my DTI ratio down to 21%!!!! Thanks to Netiva and her Rent2Home course!!! I see homeownership in the near future!!!

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

    Kimberly Hope Lofton 
    Kimberly Hope Lofton 

I’ve been in the credit repair industry for over a decade, and I can tell you that if your less than perfect credit is preventing you from achieving any of the financial goals above, understand this:

You Are NOT alone!

Did you know that 30% of Americans have bad credit? Many have no credit at all! There is a misconception that credit equals debt and debt equals financial stress and struggle. That couldn’t be furthest from the truth!

Credit – when used and leveraged properly – Builds Wealth!

And, I want to help you to permanently Soar Your Credit Scores, so that you can take advantage of the wealth building opportunities that are out there.



I mean, sure. There are countless people and credit repair companies out there claiming to know how to dig you out of the hole and save your financial life. However, it’s become clear to me over the years that…you don’t want their help. You want to learn how do it on your own!

You want someone to teach you the financial principles that you didn’t have while growing up. You want someone that can make all of these confusing credit terms, and dispute letters make sense. If only someone could show you the way…

If only? Please. The solution is HERE!

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

    Jacqui D 
    Jacqui D 
  • I’m so happy for my DIY purchase, I used the goodwill letter to remove a recent late payment reported to the credit bureau.. Thankful for this group!

    Mei C
    Mei C
  • I use Credit Karma to check my scores. Today I decided to use and I must say I’m happy. I came from the low 400s. I hae work to do but I’m getting there. Divorced mom of three. Nothis is stopping me! Let’s go ya’ll, one day at a time. Netiva Heard you are a God Send…

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

    Davida T.

You see, there are things most credit repair companies don’t WANT you to know. Why? Think about it. How would they make money if you knew everything they did?

Similarly, how would creditors, lenders and banks make money if it wasn’t for consumers dishing out high monthly interest rates and fees because of their less than perfect credit? Did you know banks make more money on monthly fees than any other revenue stream? They’re taking advantage of you, squeezing your pain for every cent.

Not anymore. If you’re feeling confused, frustrated, lost and just downright depressed at the mere thought of your awful credit score, I can help!

Credit on Fire is an affordable way to unlock all (and I mean ALL) of the knowledge you need to get educated on how to solve your own credit concerns. As a certified credit counselor, with over a decade of experience on my side, I’m passionate about guiding and educating my students through a unique, step-by-step, strategic approach on how to repair, rebuild, restore and transform their credit – 100% all on their own! How’s that for making Money Moves! 😊

Credit on Fire Academy

With Great Financial Education Comes Great Relief!

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I’m here to show you exactly how to Repair your credit by teaching you how to legally remove negative items from your reports, Rebuild using the right tools and products, and how to begin Leveraging your credit to build the wealth you so rightly deserve.

I’m confident that the only way to do that is to build strong, educated, financially solvent families. Leaders are needed in our families and our communities. And those leaders should be empowered with the financial information they need to live a pain-free, stress-free life.

It’s my job to NOT hold anything back. I got into this business because I want to help rebuild communities. I want to transfer the face of ownership in our communities!

  • 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.
  • 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.

The ULTIMATE Membership Roadmap

Our unique membership offers a simple yet powerful step-by-step solution. You’ll learn everything you need to know to OWN your financial status, creating the lifestyle you truly deserve – with the support of one of the most awesome Prosperity Building Accountability Partners you could ask for! Each month we’ll break down a credit repair, debt or money mastery topic in a group learning atmosphere. We’ll keep each other on track, as we move through each lesson. I, along with a few of my Wealth Partners, will help you to keep track of and monitor your progress, every step of the way, avoiding common pitfalls and using winning, fool-proof techniques.

Road Map to Success

OK, But Why The Frugal Creditnista?


I’ll tell you why. I’m not one to toot my own horn, but it’s my job to give you peace of mind here.

I am a:

  • Certified Credit Counselor
  • Financial Educator
  • Empowerment Coach
  • Speaker
  • Author
  • Lover of all things finance!

I also have a Master’s Degree in Business Management & Finance, and I have been where you are! I’m from the Westside of Chicago, I grew up in a single-parent household and I know what it means to struggle as a child and to carry that struggle into adulthood. Bad credit sucks, but struggling sucks too! I know what it feels like to be broke and to feel broken. And I don’t want that for you.

What sets Credit on Fire Academy apart?

To say I’m passionate about financially empowering others would be an understatement – particularly African American women and couples desperately searching for the tools, knowledge and resources needed to get the financial independence they have worked so, SO hard for.

But…don’t take my word for it. Check out these testimonials for yourself…

  • 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.
    Irina G.
  • 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.
    Tashia D.
  • 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.
    Chiazor A.

You see, no two people are the same. That’s why you NEED to get EDUCATED! You need to know exactly where you stand – getting copies of your full credit reports, creating a budget, getting out of debt, getting clear about your goals, having someone who can motivate and direct you to get you there, and getting down to business by putting in the work. Life-saving work! Don’t worry – I’ll show you the ropes. ALL the ropes.

How Do I Get Started?

Whoot! Whoot! You’ve made a wise decision. Trust me! My students don’t lie and neither do their credit scores! And although you’ll learn at your own pace, I, along with our community of Prosperity Builders, will be here to help you and guide you, so that you can avoid the confusion, frustration, and flip flop results that often stem from repairing your credit on your own. I’m here to help you to start living life on your terms!

All you need to do is click here to register.

Afterwards you’ll gain INSTANT access to my killer credit repair and money mastery courses. Don’t worry – the only thing they’ll kill is your bad credit score. My courses have been designed by yours truly, where I break down the credit repair process and provide actionable steps that you can start using immediately.


To add, each month, we’ll have Group Learning Classes, where we’ll break down a credit repair or money mastery topic – TOGETHER! You’ll have assignments to complete, monthly Q&As, hot seat sessions for those that need personal advice, and more!

Here are just a few of the things I’ll be covering:

  • Disputing Public Records
  • How to Settle Your Debts for Pennies on the Dollar
  • Tackling Your Collections
  • How to Remove Medical Collections
  • Disputing Charge-offs
  • Tackling Credit Inquiries
  • Hacks to Quickly Increase Your Credit Score
  • Firing Your Student Loans
  • Budgeting for Wealth
  • Tips for Eliminating Debt
  • Leveraging Your Credit to Purchase Your First Home
  • Leveraging Your Credit to Purchase Your First Real Estate Investment
  • Leveraging Your Credit to Build Business Credit

…But, honestly, that’s not even the half of it.



Standard Memberships

Membership #1
Preferred Member Pricing On
  • Consultations
  • Coaching Services
  • Live Events
  • And More!
Membership #2
Preferred Member Pricing On
  • Consultations
  • Coaching Services
  • Live Events
  • And More!
$65$10 Off!
Membership #3
Preferred Member Pricing On
  • Consultations
  • Coaching Services
  • Live Events
  • And More!
  • _______
  • Free Initial Consultation
Membership #4
Preferred Member Pricing On
  • Consultations
  • Coaching Services
  • Live Events
  • And More!
  • ______
  • 2 FREE Consultations
    (1 Every 6 Months)
$265Almost 2 months free!

No matter how tough your situation may seem, you’re not the first person to go through it…and you certainly won’t be the last. There is ALWAYS an escape route, and I’m ready to share with you all the tools and knowledge you’ll ever need to set yourself free. Like a bird, like a bee…whatever. You’ll be free, and that’s all that matters.

Bad credit doesn’t need to be the bane of your existence ANYMORE. It’s time to weed out the bad, and let the good finally show its face, so your true garden of financial peace of mind can be unleashed. It’s already there, it’s just a matter of finding it.

If you’re ready to get started, I’m ready to help you!

Don’t delay. Sign up today! Let’s transition you into a financially-stable tomorrow…today…together 🙂


Frequently Asked Questions

How does the Credit on Fire Academy work?

The Credit On Fire Credit Building Academy is a “Done With You” Group Membership Platform, that will provide you with a series of courses, broken down into step-by- step instructions, action guides, and video lessons to make your credit repair journey a whole lot easier. Each month we’ll have 2 Live Lessons/Q & A sessions for us to come together as a group, to ensure you have a clear understanding of how to apply what you’re learning to properly repair, restore, rebuild and transform your credit scores. Each course is designed and taught by The Frugal CrediTnista and her team of financial industry experts across the country; better known as her “Wealth Partners”

What types of courses are offered?

When you enroll in the Academy, you’ll have immediate access to courses that will guide you, in a step-by-step fashion, on how to begin Firing Up Your Credit Scores.  Each month, you’ll receive new content that builds on what you’ve learned in the previous month.  The goal is to ensure you’re progressing, month after month, towards your Credit & Financial Goals.  You’ll be supported by myself, my Prosperity Team, and your fellow Members.

As a Credit on Fire member, you’ll receive basic and advanced dispute tactics that my firm uses for our Credit Coaching Clients every day! Because I believe credit repair should be approached from a holistic perspective, you’ll also obtain courses on budgeting, eliminating debts, how to negotiate settlements on your debts, how to correctly purchase your first home, how to purchase your first investment property, pay off your student loans and MORE!

Expect pre-recorded courses, Live Lessons, Hot Seats and Monthly Q & As & More!

What does my membership include? Are there any perks or benefits?

ME! Having a credit expert as your accountability partner is all types of awesome! I’ve taught over 300,000 people how to repair their credit over the span of my career and I’m not anywhere near done yet! I still have your credit scores to soar!!! My credit coaching program starts at $2597; so to gain access to my full suite of credit repair strategies and tactics for just $25 a month is….. BOMB!!!

You’ll also have access to our Online Community, Credit on Fire:  Wealth Creators Facebook Group, that is filled with FICO Building, Debt Slayin’, Wealth Creating Accountability Partners who are actively working on taking their finances to the next level. Inside of the Credit on Fire Community.

You’ll also have access to my team of Wealth Partners who are experts in building businesses, investing in stocks, investing in real estate, eliminating student loan debts, and more! This is their area, and I know that credit is only the beginning of your financial master plan, right? You’re repairing your credit to BUILD something and I want to ensure you have the beginner steps and tools to build the right way!

How much does the Credit on Fire Academy cost?

The Academy costs a monthly fee of $25.

If you’re in my Credit Makes $ense Community, then you know the initial investment voted on by my Prosperity Partners was $50/mth. I increased the value of the Academy by gathering industry experts to teach us how to leverage our credit to build wealth and decreased the membership investment for the Academy.

Available Membership Options

  • Monthly Membership: $25/mo. (automatically drafted each month)
  • Quarterly Membership:  $65/mo. ($10 Off!)
  • 6-month Membership: $135/6 mo. ($22.50/month!)
  • 1-year Membership: $265/yr. (Almost 2 Months Free!)
How long is the Academy?

As long as you’d like it to be! The Credit on Fire Academy is meant to assist you in Soaring Your Credit Scores and taking the initial steps to achieving your financial goals in entrepreneurship, purchasing your home, investing in real estate, and mapping out a plan for your financial future/retirement. New courses are continuously introduced based on the needs, wants and desires of our members.

Can I sign up at any time?

Our Quarterly, 6-Month and 12-Month Memberships are always open for enrollment.  Our Monthly Membership opens for enrollment, roughly 4-6 times a year.

When registration for our Monthly Membership is closed, you can join our VIP Waitlist here, to be the first to be notified: or

What are some of the courses offered?
  • Fire Your Inquries – a step-by-step approaching to removing inquiries from your credit reports.
  • Fire Your Medical Collections – a step-by-step approaching to using the HIPAA method to removing medical collectiosn from your credit reports
  • Fire Your ChexSystems Reporting! – a step-by-step approach to removing your negative entries from ChexSystems, EWS and Telecheck.
  • Budgets on Fire! – an indepth course on how to master the budgeting process, with a Dave Ramsey Certified Financial Coach.
  • How to Build Business Credit – a downloadable step-by-step guide to start you off on how to obtain funding for your business venture
  • Claim My Keys! – a step-by-step intensive on how to purchase your first home

Also Included:
Fire Your Collections!
Fire Your Public Records!
How to Purchase Your First Investment Property
Fire Your Student Loans!
How to Purchase Your First Stock (with workbook and live lesson by a former stock broker)

What if I Miss a Class?

All of the courses inside of Credit on Fire are recorded and self-paced. With many of our members working nights, days, overnights, in school, parents, etc. it was imperative that we made all of the content available ‘on demand’.   This way, you can work through each lesson at a time and pace that is convenient for you.

Remember, you will have unlimited access to all of the valuable information inside of the Academy as long as you are a member.

Where is the Facebook Community Located?

Here you go! Make sure to put the email address and name that you enrolled in the Academy with; the Facebook Members Club is for active Credit on Fire Members only:

If I end my membership, will I still have access to courses released when I was an active member, but not access to new courses?

No, this is a membership. Once you are no longer a member, you will no longer have access to the courses inside of the Academy. Each month, you are not paying for each course, but for a membership to the Credit on Fire Academy (to invest in individual credit courses, visit Credit Makes $ense Courses).

Can I share my membership by giving someone else my login?

No, if your membership is shared by multiple people, the system will automatically lock one account out.

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