The Frugal Creditnista


Master Your Money, Destroy Your Debts, Soar Your Credit Scores, Leverage Your Finances to Create Wealth

You've Spent the Past Few Days Learning
How to C-R-U-S-H Your Homeownership Goals.

Now It's Time to Put What You've Learned Into Action So You Can Claim Your New Home Keys!


Credit on Fire Academy is an online, financial, do-it-yourself academy that will provide you with a Financial Roadmap to reaching your financial goals. As a student, you’ll have access to our best selling courses, live lessons, expert instruction, and group coaching sessions that have already been instrumental in helping over 200,000 people to:

We Want YOU to Be Our Next Success Story!

"I'm forever grateful to God and Netiva Heard for Sharing your knowledge and all of those who inspire. This has truly been a journey and I still have work to do but I'm closer to my dreams. I logged on to this today and I'm just waiting on my alert from Fico that my score has increased. Be mindful I was in the low 400 a few months ago. Between last week and today it went up about 170 points.#Trust the process"
Shantrell W

Upon enrolling, you’ll have immediate access to:

A Robust Library of Financial Empowerment and Personal Development Courses: You’ll receive a Success Guide that will act as your roadmap, filled with strategies on which courses to take and in what order to accomplish your financial goals!
Quarterly Masterclasses: What better way to learn than from the Pros that have up-leveled their life, happiness, and income, and who are more than willing to share their wisdom with you? You’ll hear directly from industry leaders on how they were able to move past their inner blocks, excuses, limiting beliefs, and life’s circumstances and receive practical solutions on how to sail through yours.
Virtual Coworking & Accountability Sessions: We don’t just teach, we show you how to get it done! You’ll meet with a member of our team and your fellow Wealth Creating classmates, to brainstorm, be held accountable, and to do the work! This is a great time to receive – and give – the support needed to develop your personalized strategy so that you can crush your monthly goals.
Prosperity Team Lunch & Learns: Learn from professional credit, debt, money, investing and business experts as they educate and equip you with the knowledge and tactics you’ll need to create and build the financial future you desire!
Bi-Weekly Group Coaching Calls: Our Community meets twice a month, where we break down a financial topic from start to finish and answer your most burning Credit & Money Questions!
Wealth-Building Live Lesson Experts: We want you to build wealth that will last for generations; that’s how legacies are created We’ll host wealth building sessions where you’ll get to hear from professionals who have actually done the work, achieved their desired results, and are reaching back to teach others how to do the same!

We Want YOU to Be Our Next Success Story!

"One of my biggest fears was having to face and tackle everything at once. I had to accept that it couldn’t and wouldn’t be fixed overnight. When I joined the community, I was able to ask questions, get ideas and encouragement from others. Watching others have victory gave me the courage to know that we could and would do this. it was enlightening to be in a judgement free zone with real, relatable help. We set our ‘set it and forget it’ bill paying budget. It felt good to be able to look forward to payday but waking up on payday to all the bills being paid. We watched the score inch up more and more each month. We sold our home and used our profits to buy a new home. Because of our good credit and everything we learned from Netiva, underwriting was a breeze. Even our loan processor commented how we had our stuff together and this was one of the easiest loans she has done. Credit score good, no late payments, and we knew exactly what to expect. Netiva had us prepared to the T! Just do the work no matter how daunting it may seem, it’s worth it, you are worth it, and your family is worth it. "
Makeva P.

Our approach to delivery is student-specific. Our courses are designed to solve specific problems for our students and not just to provide a list of random courses, but rather a blueprint of solutions for student’s financial challenges so that they can achieve their desired level of success.

Credit on Fire Academy is the BEST investment that you can make in Yourself, Your Family, Your Future, Your Financial Transformation!

We Want YOU to Be Our Next Success Story!

"I stumbled across this group when I was at my wits end in the possibility of attaining not only a great credit score but better credit and financial habits. I was paying for credit repair & decided to attempt DIY but wasn’t sure how to start. I found CMS & immersed my free time in learning how to make positive changes in my credit profile. To my surprise, with the help of Netiva & her training, I was successful in removing a 90 day late payment from my student loan account which I thought was virtually impossible. I scanned my credit reports for errors and stumbled across one. If I hadn’t viewed Netiva’s videos on how to read a credit report I would have never known what to look for. My favorite part is the community, there’s constant positivity. Members and Netiva are always there to share their experiences, input and words of encouragement whenever needed. My advice to anyone joining is to learn, start creating better financial & credit habits, be proactive in the community, listen & ask questions during the online meetings, search the Academy for a host of great information."

You'll Learn How To:

Develop A Wealth-Creating Mindset

We’ll teach you how to Address, Release, and Shift your past limiting beliefs so that you can Rediscover a New Version of You!

Some of our most sought after Wealthy Mindset Courses by our students include:

Master Your Money

We’ll teach you how to take charge of your financial future with our 3 M’s of Money: Make, Manage and Multiply

Some of our most sought after Money Mastery courses by our students include:

Destroy Your Debts

We’ll teach you our proven, tested to Attach and Ditch Your Debt for good in the shortest possible time.

Some of our most sought after Debt Destroying courses by our students include:

  • Leveraging Your Current Skills by Starting A Virtual Assistant Business,
  • How to Become A Mobile Notary Signing Agent
  • Teach & Earn! Online Teaching Profits

Soar Your Credit Scores

We’ll teach you the BEST credit soaring strategies in the industry to Repair, Restore, Rebuild, & TRANSFORM Your Credit Scores!

Some of our most sought after Credit Soaring courses by our students include:

Leverage Your Finances to Create Wealth

We’ll Teach You How to Clear the Obstacles Strangling the Growth of Your Money (bad credit, debt, etc) So That You Can Begin Investing in Wealth-Building Assets!

Some of our most sought after Wealth-Building courses by our students include:

You’ll Recieve Ongoing Support Via:

My Prosperity Team and I are committed to ensuring that you avoid the confusion, frustration, and flip-flop results that often stem from improving your finances on your own. We’re here to support you - every step of the way - until you arrive at your final destination of FINANCIAL INDEPENDENCE!

Some of our most sought after Wealth-Building courses by our students include:

Virtual Coworking & Accountability Sessions
Receive ongoing virtual support to nail down your financial goal for the month, take action on your goal, and to provide an update on what you've done!
Prosperity Team Lunch & Learns
Receive ongoing support from industry professionals on key areas of your finances, such as credit, debt, budgeting, investing, entrepreneurship, and more!
Bi-Weekly Group Coaching / Q&A Sessions
Twice a month, receive ongoing support during our biweekly Q&A calls! Twice a month, we meet with our students to provide them with the answers they need to reach their credit building and money management goals! BONUS: Hot Seats! Students Can Sign Up to Receive Direct Assistance with A Specific Credit or Money Question!
Discounted Financial Strategy Sessions
Schedule one-on-one consultations with a member of our Prosperity Team to help you develop and fine-tune your Action Plan to Mastering your Money, Destroying your Debts or Soaring your Credit Scores!
Coming Soon!
The Best Wealth-Creating Accountability Partners You Could Ask For inside of our Private Online Study Group!



We Want YOU to Be Our Next Success Story!

"It’s my 2 month anniversary inside of the Academy and I have been able to decrease my utilization from 98% to less than10%! My credit score was low due to high utilization. Paying my debt down raised my credit score over 100 points!!!! I was also able to save $10,000 in my Emergency fund. Looking to build my new home some time next year. I’m trying to get to 800!!!! This group has been so informative. I’m so glad that I invested in myself!!!"
Yu W

Why Wait A Second Longer?! Join the winning team today to learn everything you need to build a rock-solid financial foundation that you can confidently and firmly begin creating wealth from!

Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Educator, Credit Counselor, Realtor, and ‘Real Life’ Budgeting Enthusiast! As the founder of MNH Financial Services, LLC, it is her personal mission to Educate, Equip and Empower women and couples across the globe with the solutions they need to confidently & permanently Transform their finances. Because of her passion for helping her clients, students, and members to accomplish their financial goals, they have designated her as “The Goal Crusher’s Credit Coach”. And she loves it! Having personally overcome being over a half-million dollars in debt & experiencing the shame of foreclosures, repossession, bankruptcy, tax liens, judgments, and practically every other poor credit rating there is; she can easily relate to those suffering from the stress and embarrassment that debt and poor credit can bring. With an MBA in Finance and certifications in the real estate and financial industry; Netiva has utilized her education, work history, and personal experiences to incite others to transition their finances from being financially limited to financially limit-less.
Enroll with us today and let’s get you started on your journey to financial freedom


Listen to what
some of our students
have to say about our Academy

"When I first started my scores were in the low 500s, I'm now in the 600s, so over 100 point increase. I know I'll be in the 700s by the end of the year, I'm now ready to purchase my first house and have my whole financial life together. Because of Credit on Fire, I've been able to remain focused on making sure I get things done. Staying focused and remaining committed is key. My favorite part of Credit on Fire is the entire community and the sharing of information from Netiva and our Expert sessions, as well as the smaller accountability group that me and other members have started that is such a help! We check in on each other, get over obstacles together, look into resources in the Academy fo reach other, and more, Credit on Fire has truly been a blessing!"

Don’t Delay, Enroll Today!

Let’s Transition You Into a Financially Stable Today… Tomorrow… Together 🙂