Credit Coaching Session + 30 Days FREE Inside of My Credit on Fire Academy!

Your Consultation will talk through your current credit situation and create a custom action plan for the next steps to successfully improving your credit score.

You’ll provide us with your credit reports a minimum of 48 hours prior to your scheduled consultation. We’ll analyze your credit reports, line by line, to create a Customized Plan of Action to Repair, Restore, and Rebuild your credit scores!

We will:

  • Review your credit report for inaccurate items to find outdated accounts & inaccurate personal information,
  • Review accounts that can be made current to strengthen your credit profile
  • Review accounts with high credit utilization and advise of a plan to decrease it
  • Research the best credit products that will reduce utilization and strengthen credit profile
  • Create a plan to Restore & Rebuild your credit scores
  • Provide written summary of consultation for you to reference

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!


I'm Ready!

My Credit on Fire Academy is… well, FIYAH!


I’ll provide you with everything you need to Repair, Restore, Rebuild, & Light Your Credit Scores on FIYAH – full-length Video Instructions where you’ll learn – from start to finish – how to Fire Up Your Credit Scores, 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!


  • "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!