• "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!"

  • "Soooooooooooooooo excited!!!  I took your advise, the creditor was very nice and agreed to work with me.  So...$3200 went down to $1322!!! I have letter of satisfaction already filed with the court for the judgment and I can take the bar exam!.  Thank you!!"

    Nicole J.
  • "I had an excellent consultation with Netiva! She was very knowledgeable and professional. She gave me some sound advice and I look forward to working with her as I rebuild my financial portfolio!"

    Donna A.
  • "I can not say enough great things about Netiva and MNH Solutions! MNH has helped me gain a better understanding of my current credit situation. Netiva was knowledgeable and explained to me all the possible scenarios and outcomes based on the steps I could take. She helped me understand items on my report that I have been confused about for years! There are so many companies out there that will offer you services but in my experience none of them have explained things to me in a way that made me feel completely at ease with my financial situation, Netiva gave me advised that has already paid off for me in the short amount of time I have been working with her. She makes me feel comfortable and she doesn't judge me or my questions and that is so important to me. This credit and finance stuff can be so consuming and frustrating. If you are looking for help getting your finances back on track, you have come to the right place! You will be so happy you took the first step and you will be kicking yourself for not enlisting their services sooner! She really does care about you and what you are going through and for me that made all the difference. Thank you for everything!"

    Chiazor Arah
  • "I had a great consultation session with Netiva! She is very knowledgeable in what she does, very professional and straight to the point. She helped me understand my credit report and explained everything in detail. She explained the steps I needed to take to head in a better financial direction and has been available to answer any questions that I have had. After my consultation I felt much better about my situation."

    Monique Morris
  • "I cannot stress how grateful and thankful I am of the services that I received from Netiva and MNH Credit Solutions. She is very knowledgeable and well-rounded in the field. I had an issue that I have been trying to resolve for the past year. I followed every advice and guideline she gave me and the matter was successfully resolve that same week. I highly recommend her services to anyone looking for credit restoration. She was always available every time I had a question regarding my credit reports. The education that I receive from her, I am able to better understand my credit reports and how to keep a healthy file. I am on the right track thanks to Netiva and MNH Credit Solutions."

    Micana Carrenard
  • "I am ready to begin the process of buying a home but, my credit sucks. I have known and trusted Netiva through real estate deals in the past and decided to reach out to her for guidance on cleaning up my credit. As expected, she was awesome! She walked me through the process step by step teaching me how to remove unwanted credit blemishes as well as tips to begin the process of rebuilding my score. Netiva genuinely cares and she provides real life examples to help you further your understanding of how to get the job done. She also thoroughly explains the importance of choosing wisely with the credit decisions we make and how it effects us directly."

    Monique Wallace
  • "Working with Netiva of MNH Credit Solutions has been absolutely amazing! It can be hard discussing your credit woos with a stranger, however, our session was extremely comfortable. After my consultation, I received information promptly to follow through with the plan devised by MNH Credit Solutions.  Without hesitation, I was guided through some small hiccups to ensure I was off to the right start. I look forward to our next steps. Sincerely, KLH"

    Kia H
  • "I recently started working with Netiva and i am already so happy that i did! Big difference on my credit score in less thAn 10 days i got 2 judgments and 1 collection removed...I can't say enough positive things about MNH CREDIT SOLUTIONS, I would advise everyone who is suffering from low scores or negative items on your report to get help from MNH CREDIT SOLUTIONS"

    Naomie Chervil
  • "I started at 429; now I'm at 583 in less than one month!   All my four judgments are gone from three bureau...they were paid and satisfy but wanted them gone... all because of your letters!!!"

    (Verified DIY Kit Purchase)

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