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!
I got my DTI ratio down to 21%!!!! Thanks to Netiva and her Rent2Home course!!! I see homeownership in the near future!!!
All the negative stuff on my credit has been falling off. Getting credit card offers in the mail
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.
Transunion score went from 535 to 648! Really excited because TU was my absolute worst score. Now to push it to 700.
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!
I use Credit Karma to check my scores. Today I decided to use creditchecktotal.com 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…
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! 😊
With Great Financial Education Comes Great Relief!
The ULTIMATE Membership Roadmap
OK, But Why The Frugal Creditnista?
I am a:
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?
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!
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.
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!
How Do I Get Started?
Whoot! Whoot! You’ve made a wise decision. Trust me! My students don’t lie and neither do their bomb.com 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!
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.
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”
When you enroll in the Academy, you’ll have access to courses on removing Inquiries, Collections, ChexSystems and more. You’ll receive step-by-step instructions on how to dispute, when to send out a dispute letter, how to respond when your dispute comes back verified, advanced dispute tactics that my firm uses for our Credit Repair Clients, and more! Because I believe credit repair should be approached from a holistic perspective, you’ll also obtain courses on budgeting, eliminating debts, how to negotiate settlement on your debts, how to build business credit, purchase your first investment property, pay off your student loans and More!
Expect pre-recorded courses, Live Lessons, Hot Seats and monthly Q & As.
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 $2497; so to gain access to my full suite of credit repair strategies and tactics for less than $20 a month is….. BOMB!!!
You’ll also have access to our Online Community. The Credit on Fire Facebook group is filled with FICO Building, Debt Slayin’, Wealth Building Accountability Prosperity Partners who are actively working on taking their finances to the next level. Inside the Credit on Fire Community, you’ll also have access to my team of Wealth Partners who are experts in building a business, investing in stocks, mastering your budget, eliminating your 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!
The Academy costs a monthly fee of $19.97.
If you’re in my Credit Makes $ense Community, then you know the initial investment voted on by my Prosperity Partners was $35/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 Payment Options
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.
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 Prosperity Builder waiting list here, to be the first to be notified:
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)
All of the courses inside of Credit on Fires 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.
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: facebook.com/groups/creditonfire/
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 financial courses, visit Credit Makes $ense).
No, if your membership is shared by multiple people, the system will automatically lock one account out.