The Frugal Creditnista


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



We’ll Educate, Equip and Empower You with the Knowledge, Tools and Resources
Needed to CRUSH Your Financial Goals!


There’s No Need to Wonder; Your Answer is Here!


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:

Wealth On Fire Monthly


Wealth On Fire Annually


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

Your Been-Through Will Become Your Breakthrough!

Living Paycheck to Monday, Mountains of Consumer Debt, Stagnating Careers, Thousands in Student Loans… These are just some of the challenges that so many people are facing right now, making it difficult to get ahead in life.

This leaves many of us feeling broken, financially and emotionally trapped, and power-LESS versus Power-FULL.

Credit on Fire Academy is determined to change all of that just that!

We know that you desire a clear, simple path that will guide you from where you are now, to where you desire to be.

We work effortlessly to empower our students – no matter their current financial skillset – with the guidance, support, and know-how to launch their journey to financial success on their terms!

No more scouring the internet, various Facebook groups, and buying into different financial programs in search of answers to your financial questions, Credit on Fire Academy has the ANSWERS you need all in ONE place!

With an investment of just 5-10 minutes a day, you’ll have access to everything you need to transition your Been-Through to your Breakthrough!

Our courses are prepared and taught by some of the industry’s top financial and personal development experts from around the country, covering all areas of your finances: credit building, money management, debt elimination, developing a money mindset, investing, and so much more.

They have been richly designed to help our students learn everything they need to know to take control of their financial status and to create and maintain the lifestyle they desire!

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.

How would Your Life Change?

Why wouldn’t NOW be the right time for you to start living your life with financial peace of mind? To create that shift towards financial peace and security that you’ve always longed for?
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:

Receive Ongoing Support

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!
Earn incentives for attending coaching sessions, posting questions, completing programs, achieving your monthly goals, and supporting other Wealth Creators! Each month we recognize a student for their contributions to the community and for actively working towards their financial goals! We'll reward you with Hot Seats, 1:1 Coaching Time, Wealth Creator Swag, and more!
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!

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

"Well on my way to 800. I made it to a 748 fico score! It's been a long time coming. I want to invest in my first property solely for the purpose of having an additional means of income. How to Purchase Your 1st Investment Property is the Next Class for Me! Thanks to Netiva & her amazing community!"
Marcia W
Marcia W
"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

"When I started repairing my credit, my sores were around 525, right now I'm in the 700 club. What prompted me to take control of my credit was that I was tired of being denied everything. This meant I had to settle for something less. One of my biggest credit fears was not being able to get a home for our 3 kids. When I saw how much everything cost around me and then looked at my scores, I knew I would be denied or have a super high interest rate. One of the things that I love is that Netiva puts a lot of information out there and if we ask questions it's always answered. I take advantage of everything, the expert live lessons, the videos, files, etc and I get to work. I was able to find out what I needed to do to get approved for a loan and put my head in it and knew what I needed to go and worked continuously towards the goal to increase my scores. My fav part of the Community is the Homeownershp course, but my favorite, favorite thing is the activity in the community. The knowledge that most people would charge thousands upon thousands of dollars for and we're able to get our questions answered, classes, live lessons for practivally penties, that's my favorite thing. I’m grateful, and just recently I’m now a homeowner as well!"

Nicole D.
Nicole D.

"When I first signed up, my credit scores were 525 (Equifax), 533 (TransUnion) and 558 (Experian). By the time I claimed the keys to my new home less than 2 years later, my scores were 659 (Equifax), 683 (TransUnion) and 696 (Experian). If you are serious about taking control of your financial future, you owe it to yourself to be a part of this community. You also owe it to yourself to be personally vested in the process so that you will feel a certain sense of accomplishment when you’ve reached your goals. I’m a researcher, so my favorite part of the membership are financial/credit articles that Netiva posts. I would spend hours researching them to figure out how they applied to my current situation. My favorite class, hands down, is the homeownership masterclass though!!!! Without it, I wouldn’t be a homeowner today!"

Nicole M.
Nicole M.

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!

Meet The Frugal CrediTnista...

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


"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!"