Hi! I'm Netiva

The Frugal CrediTnista

I help women & couples over 30 to Master their Money, Destroy their Debts, & Soar their Credit Scores so that they can CRUSH their Financial Goals!

Start Crushing Your Financial Goals Today with My FREE "Dominate My Finances" Toolkit!

Hi! I'm Netiva

The Frugal CrediTnista

I help women and couples over 30 to Master their Money, Destroy their Debts, and Soar their Credit Scores so that they can CRUSH their Financial Goals

Learn How to Start Dominating Your Finances with My Free Financial Toolkit.

Ready to Take Your Finances to the Next Level?

You’re a hardworking professional doing the best you can to earn a living, pay your bills, take care of yourself & your family, manage your money - all while trying to live the lifestyle that you desire.

But despite your efforts, sometimes it feels like you just can’t get ahead - whether you’re living paycheck to paycheck, struggling with debt, stacked with student loans, up to your ears in bills & late notices, or just not living the life of prosperity & abundance you desire...

Listen, money management can be challenging for everyone, but it’s especially difficult when you don’t have an advisor in your corner showing you the right moves to dominate your finances.

That’s where my Prosperity Team & I come in!

Your Current Situation is Not Your Financial Destination!

My Prosperity Team & I have been through it all - bankruptcy, mounting debts, foreclosures, repossessions, watching our credit fall to shambles...

These experiences - although difficult - proved to be invaluable in the work that we do in helping others in similar financial predicaments to overcome, rise, and thrive.

Everything that you’re experiencing right now is temporary.

You can rebuild your finances.

No matter where you are right now, YOU have the power to take control of your financial future.

You Are In Control

We firmly believe that. Which is why we’re on a non-stop mission to help women and couples across the globe with the knowledge, resources, and strategies they need to confidently – and permanently – transform their finances for good!

My Prosperity Team and I have educated, equipped, and empowered 1000s of women and couples to transform their finances for good - an accomplishment I’m incredibly proud of!

What Being Financially Empowered by The Frugal CrediTnista Can Do For You

The people who choose to work with us have been able to;

Transition their money from maintenance to mastery…
Destroy their debts & 10X their savings…
Soar their credit scores…
Claim the keys to their new home…
Travel to destinations they’ve always dreamed of…
Launch their own flourishing businesses…
Start growing their wealth through investing…
…And more!

Ready to Unlock Your Financial Freedom?

Let's Start Crushing Your Financial Goals Today.

It all starts with one of our signature programs:

Wealth On Fire Academy

We'll teach you how to tackle your finances, step-by-step, so you can light your financial goals on fire! Dive into our streamlined expert live lessons, on-demand masterclasses, group coworking sessions, monthly Q&A calls, downloadable plug & play workbooks & templates, & more!

6-Figure Credit Repair CEO

Want to help other Goal Crushers overcome financial challenges & put them on the path to financial freedom? This program is for you! I’m sharing the entire framework of my Credit Services Business - Branding, Workflows, Emails, Marketing, & MORE - so you can have an easy-to-follow blueprint to building your 6-figure Credit Repair firm quicker, faster, better & in a fraction of the time!

Prosperity Makes $ense Learning Center

Ready to improve your finances but not quite ready to invest in a program? No worries! Our learning center is jam-packed with strategic resources such as free dispute letter templates, budget worksheets, savings workbooks, self-paced DIY courses, & more to get you started on your journey!

What Our Prosperity Partners Are Saying!

It's been quite a battle but I'd like to introduce the newest member of the "700" club 😛. #CreditMatters 🙌🏽Go Me-Go Me🙌🏽

One of the best investments ever! In just 2 months, my credit scored increased tremendously, at least 50pts and just last week it went up 11 more points! You won't be disappointed.

This is Dee. I wish i could reach thru this screen and give you the biggest hug. Just checked the mail and got notification of three deletions from Experian!!!!!! And its all thanks to you. One more to go and waiting to hear from the original creditor. But....it's working. You go gurl 🙂

I've paid off 2 . Big accomplishment for me. A that God will continue to guide my footsteps and with the help of this group to #SOARTHATFICO #SAYITSEEITSEIZEIT. #CLAIMING #MY #HOME #IN #2017

My credit score went up 106 points I followed the steps Netiva Heard gave me in my posts. Next step is bring my utilization down and I will be in the 700s

Guess who got a credit increase to 9,000? Credit score 661 Denied for refinancing my mortgage but I plan to reapply in august #Thank God

Want Even More Game-Changing Financial Advice & Strategies?

I’m Making $ense of Money, Credit & Everything In Between!

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Have a burning financial question you’d like me to answer in my next Video or Blog

Hi! I'm Netiva

The Frugal CrediTnista

I help women & couples over 30 to Master their Money, Destroy their Debts, & Soar their Credit Scores so that they can CRUSH their Financial Goals!

Hi! I'm Netiva

The Frugal CrediTnista

Ready to Take Your Finances to the Next Level?

Your Current Situation is Not Your Financial Destination!

You Are In Control

What Being Financially Empowered by The Frugal CrediTnista Can Do For You

Ready to Unlock Your Financial Freedom?

Wealth On Fire Academy

6-Figure Credit Repair CEO

Prosperity Makes $ense Learning Center

What Our Prosperity Partners Are Saying!

Want Even More Game-Changing Financial Advice & Strategies?

New On The Blog

How to Fix Your Credit to Buy a Home

When is the Best Time to Buy a House? Your Complete Guide

Understanding Charged-Off Debts: What They Are, How They Affect You, and How to Remove Them

Protect Your Rights: Understanding the Direct Dispute Process

Should I Marry Someone with Bad Credit?

How to Remove Yourself as an Authorized User on a Credit Card

Ready to CRUSH More Goals this Year?

Yes, Please!

Hey Hey Future Homeowner! 🏠

You've got dreams, we've got keys! 🔑