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Acceptance is the key!

I have clients that get so stressed out when they totally screw up a certain category on their budget – gas, savings, groceries (a big one!), etc. Trust me when I say this is the norm! The key is to accept it, adjust as needed,

Give Yourself Some Wiggle Room!

If you try to be a stickler to everything you budgeted on your spreadsheet or in your app, you’re going to drive yourself crazy. Life happens. Have reasonable expectations, try to prepare as best you can, and put aside some money to have fun! Don’t

Hard Time Budgeting? Try the 50/20/30 Plan!

I remember when I first started working in Credit Counseling, I was giving a percentage sheet to help people develop a spending plan using these percentages as a target. For most it was just too unrealistic for where they were at now. Insert the 50/20/30

Budgeting does not equal “Watch Every Dime I Spend”

It’s no secret that the word “Budget” gets a bad name. Most people feel it’s a way to restrict or to constantly watch every penny, nickel, dime they spend, although that can be apart of it, it’s not the ultimate goal. The ultimate goal is

Your Credit Card: Leave Home Without It!

It’s not secret that in order to stay out of debt is to stop creating new debt, right? One trick is to not even tempt yourself by taking a credit card with you when you go to the store, mall, restaurant, etc. Cash and your

I have one collection, should I dispute it?

Q: I have one collection on my credit report and I really want it gone! It’s from a debt in 2012 and it will be removed from my reports in August of 2019 per Equifax. Do you think I should have them validate it? My

My judgment was deleted, do I still have to pay it?

Finally 🙂 Happy Friday, it’s Q & A Time!!! Today’s Question: Hi Netiva, using your dispute letters and videos on Periscope I was able to get my judgment deleted!!!! My scores increased by 52 points, do I have to still pay this or can I

Leave Sleeping Debts Alone

Happy Tuesday 🙂 Last week I had about 4 people get sued and one that had a dormant judgment petitioned to be revived. Why? Because they wanted every single negative item removed from their credit reports. If a debt that is within your statute of

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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!