• "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!"

    C.G.
  • "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)
  • If you don't participate in nothing else, DEFINITELY take advantage of the Rock Your FICO course! You will learn all things Credit, Disputing, to advanced Techniques for Bankruptcy, Tax Liens, Judgments, etc. It goes beyond your basic steps and gets into the nitty gritty of every situation. You will learn how to read credit reports, understand the coding the Bureaus use, laws that are in place to protect you the consumer (Insert Breathe Here) Whew!!! LOL.. You will not be disappointed!

    KEESHA WILLIAMS
    KEESHA WILLIAMS
  • I open mail with excitement! I open mail with excitement of having the knowledge and power to handle whatever is inside ; bills, collections, judgments, etc. This is a testament to your wise counsel and outpouring of your knowledge.

    KARYN BUGGS
  • I officially have no collections account! Just checked my credit report and I officially have no collections account, no liens and no judgments! Glory to the lamb of God!

    TONYA WARD JONES
  • My credit is no longer dismal! Back in January, when I started working on my credit it was DISMAL! I've gotten tired of calling creditors, writing letters to creditors, doing rain dances and praying creditors would just go away! But looking at these numbers I am encouraged to keep going!! TransUnion has deleted a total of 16 collection accounts from my credit report for a total of $10, 391. Equifax has deleted a total of 21 collection accounts from my credit report, for a total of $12, 910. I've also had a judgment deleted from my public records file.

    NICOLE
  • I got my FICO yesterday, trans is 570, ex is 580, eq is 583. That's over 100 points in one month thanks to your help! All my four judgments are gone from three bureaus, all because of your letters!

    Chevril
  • "The information provided in this course is easy to understand and has helped me tremendously with getting inaccurate information off my credit reports. Netiva Heard is a beast when it comes to credit education and repair!!"

    AYANNA ROBINSON
    AYANNA ROBINSON
  • "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!"

    C.G
    C.G
  • "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.
    ANNE D.
  • "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.
    MAURICE H.
  • "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. It's amazing how a person's perspective on things can change in such a short time."

    TOM D.
    TOM D.
  • "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.
    GREG D.
  • 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
  • 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 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…

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

    Kimberly Hope Lofton 
    Kimberly Hope Lofton 
  • 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.
  • 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.
  • Praise Report: Netiva thank you I signed up for 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 a non-profit in your Medical Collections course. 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.
  • That moment when you have 0 collections and your credit scores are up 150 points! Thanks Netiva Heard for your Bomb.com DIY credit repair tips and for inspiring and empowering us with your knowledge!

    Davida T.
  • I had set an appointment with the hubby with a woman I know who is a mortgage planner. We had a great discussion and I was able to go in there with an understanding of the types of loans & what would be suitable for us, my debt-income-ratio AND my credit situation ALL because of this class! It was empowering to have the talk and have a plan. I am wiser now & this group has taught me that credit isn't a shackle to keep me from setting future goals. This group is an answer to prayers! 🙂 It was this day 4 years ago I filed for divorce and wasn't sure what or how I would crawl out of the financial mess I was in. And now look...won't God do it?!

    Nicole S.
  • 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.
  • Hello Partnas! I just wanted express my appreciation for Netiva Heard. I have went through a lot of posts this morning in OUR 🙂 group and this woman is on point! I've seen her comment on so many posts. Giving great and honest advice. I have not seen anything negative or rude or unkind. I don't know about everybody else but this group given me so much hope in getting my credit right and ready. It has made me put on my 'big gurl drawls' lol and tackle my credit properly and effectively so in return it can work for my good. So again, thank you Netiva Heard....'your so amazing' (in my Moana voice) #Blessings

    Torrie M.
  • I'm A Believer!  I never thought I could repair my credit on my own.  I didn't think I had the time or the knowledge. Five months in your course, and I am now 90 points higher, and have saved over $2500!  Thank you so much, you have literally changed me and my kid's life!  I am more confident in myself and am happy I can pass this information down to my kids!

    Nikki M.
  • I dramatically increased my credit score with her free information so I jumped on the opportunity to repay Netiva for everything by joining and supporting this academy. Lo and Behold, I'm learning EVEN MORE valuable information. Netiva is thorough, very knowledgeable and knows the credit laws/acts like nobody's business! She is an educator at heart. She cites sources so you can go verify the information yourself. Netiva is such a treasure in our community! We certainly need people like her in times like these.

    Jay M.
  • Thank you Netiva and this group; the information in this group is priceless! From 465 in 2/2017 to 591 in 11/2017!

      Irene G
  • I heard about Netiva through her Facebook page Credit Makes Sense Prosperity Club. She has a lot of free information and classes. Now I'm apart of her Credit on Fire Academy. My life is extremely busy but Netiva encourages us to take our time. Any questions that you post on either of her pages the community is there to answer and encourage. Most important so is Netiva. If I could afford it I wouldn't be apart of the academy, I'll pay Netiva to do the work for me. I don't trust, easily been burned too many times. But Netiva, even though I've never met her is an answer from God for me. My score has gone from a 504 to a 632 in less than a year because of the information I've learned from Netiva. God's Blessings!

    Vanessa S.
  • My credit score was in the 560s and since listening to Netiva Heard using what I’ve learned from her my score is now in the 700s and climbing....she’s very helpful and answered ALL questions trust ... you won’t be disappointed ..... Credit on !!!

    Lakii F.
  • The Credit on Fire Academy is THE GREATEST DIY BUDGETING AND CREDIT RESTORATION, REBUILDING AND FICO SCORE SOARING thing on this side of heaven. Benefits: affordable, self-paced, unlimited resources within the course, FB support group, topic specific courses, once you enroll, you have access to all of the available course and can focus on what you want or follow the suggested course paths, live Q&As and the list goes on...oh yeah, there is no commitment, you can cancel at anytime. I do not give false advertisements for anyone. I'm all about getting my money's worth and honey, I've gotten way more than what I've paid for and I'm just on my 2nd month. OMG, how could I forget the most important thing... Netiva Heard is the bomb.com. Just think about all of the information she gives freely at no cost, now multiply that by a million inside the Academy!

    Di Lathon
  • 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!

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

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

    JACQUI D

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