Get Started Today & Receive
$100 Off!!!
Just $299 & $99/Month!

*Limited-Time Special*


We’ve created a simple, Pre-Qualification process – FREE OF CHARGE – to let you know if our credit services are a right fit for you!

Everyone’s credit situation is different and credit repair is not always the answer.

Therefore, before we enroll you in our services, we will review your credit reports to determine if our Credit Dispute Services is the right service to help you Soar Your Credit Scores.

If not, we will recommend the best services for you to begin your journey to better credit.

And best of all, our Prequalification Process is… FREE!

Simply complete the form below and we’ll get started reviewing your credit reports.


  • The “Disputable 5” – Are any items on your credit report Inaccurate, Incomplete, Inconsistent/Questionable, Verifiable, Untimely.

  • No late payments within the past 30 days that have not or cannot be brought current prior to being accepted into our program.


*** From the 1000s of credit reports that we review yearly, we’ve seen that many are in need of a credit rebuilding plan or debt payoff strategy versus a credit repair/disputing plan. No worries! We’ll notify you and help you with your next steps for enrolling in either our Credit Rebuilding or Budget Coaching Programs!
  • A willingness to commit to a minimum of 6-9 months of service (service time may vary). Credit improvement takes time. It does not matter if you hire us to dispute for you, or you dispute on your own, six months or more is standard to see the best results.

  • If you can afford services + maintain credit monitoring from one of the following: bit.ly/TFC-MyScoreIQ, bit.ly/IQReport-TFC, or bit.ly/FreeScoreNow.

NOTE: **If you are enrolled in another credit repair company we CANNOT accept you for a full 60 days after you have canceled your services with them. We have no idea what the other company has sent out on your behalf, and therefore we have to give some time between their disputes and ours. If you can obtain a copy of your dispute history with them, that would certainly help.



  • Dedicated Credit Support Team: You'll Have An Experienced, Professional Team by Your Side to Ensure You Get the Service and Results that You Desire!
    • Every Dispute Round, your Dedicated Credit Team will Review Your Credit Reports for Inaccurate, Incomplete, Unverifiable, and Outdated Accounts AND Create A Dispute Plan of Action to Tackle Them!

  • 1-on-1 Credit Building Strategy Sessions: All of Our Clients Receive Regularly Scheduled Credit-Building Strategy Sessions with their Assigned Credit Specialist & Custom File Reviews After Each Dispute Round is Over!
    • You'll Receive Assistance on How to Properly Structure Your Lines of Credit,
    • How to Properly Spend and Pay Your Card to Soar Your Credit Scores More Quickly,
    • What Tradelines to Add to Your Credit to Strengthen Your Credit Profile,
    • And More!

  • 24/7 Portal Access: Upon Enrolling, You'll Have Access to Your Own Secure, 24/7 Secure Client Communications Portal! Here, You'll Be Able to:
    • Review the Letters We've Sent Out on Your Behalf,
    • Review Your Progress – Deletions, Rebuilding Suggestions, etc.
      Communicate with Your Credit Admin Support Team,
    • And more!

  • Exclusive Client Learning Center: The BEST Client Learning Center in the Industry!
    • Full-length Financial Masterclasses to Help You Reach Your Financial Goals!
    • Monthly Q&A Sessions to Answer Your Credit, Budgeting, Debt Payoff, Goal Setting, or Money Mindset Inquiries!
    • Wealth Building Expert Lessons on Investing, Real Estate, Side Hustles, Entrepreneurship,
    • And MORE!

We’re invested in being a part of your overall financial transformation!

  • Private Supportive Community: Your Client Learning Center Includes An Exclusive, Private Study Group of Like-Minded Individuals Who Are Actively Working to Crush their Financial Goals! Stay Motivated, Ask Questions, Grab an Accountability Partner, and More, Inside of our Private Online Community!


To get your spouse prequalified, please have them complete the prequalification application above using a different email address, then send an email to CreditAdmin@MNHFinancialServices.com to let us know that your spouse has signed up. We will then add a $25 credit to both of your accounts for your Initial Investment, for a total savings $50 total on your initial investments.

***Not applicable for Special Promotions

On the Pre-qualification Application below, we provide the 3-bureau credit monitoring companies that we use. You must pull your credit monitoring reporting from one of the companies on the Application to work with us.

While we understand there are free services that provide credit monitoring that you may prefer to use; those services don't provide us all the details we need to accurately assess your whole credit profile on an ongoing basis. Those services are fine for doing a quick, surface-level peak of your credit, but won't provide the in-depth information we need to improve all 3 of your credit scores and reports. We dive deep to bring results and recommend obtaining a credit monitor to both serve you better and provide optimal peace of mind.

This truly varies. The time the process can take depends on various factors, such as the types of negative credit items reporting on your credit reports, the length of time they have been reporting, as well as the way the credit bureaus currently operate. This is why it is difficult to provide a specific timeframe. Further, we are legally not allowed to guarantee you results (it’s actually against federal regulations to do so).

With over 10 years in the industry, we can say that on average, our clients average a 73+ point increase within the first 6 months of working with us, depending on the condition of their credit reports, and as little as 45 days to see some results. As long as no new derogatory information was added to their credit reports or an increase in credit card balances, new unnecessary accounts and inquiries added to their credit profile, this holds to be true.
Legitimate credit repair is not an overnight fix – despite the advertising I’m sure you’ve seen on social media. True credit repair is a PROCESS. One that requires TEAMwork (TEAM = Together Everyone Achieves More).

We are transparent with you from the very beginning and will set realistic expectations with you during your first Welcome & Onboarding Call with us when you become a client.

You’ll receive a Custom Analysis of your Credit Reports, a Custom Rebuilding Plan of Actions that is updated every 3 Rounds of Dispute, File Reviews after each Dispute Round, and more! As long as you are closely following the professional recommendations provided during your time in our program and tapping into the powerful resources inside of your Client Learning Center; we're sure you’ll be satisfied with your service with us.

All of our clients who follow our system, heed the professional recommendations provided, and dive into the many resources that come inside of their Client Learning Center achieve positive credit improvement.

Remember, everyone’s situation is different. Some will graduate our program sooner than others. The important thing is making sure that your credit is repaired the right way so that you have a solid financial foundation for you to begin CRUSHING Your Financial Goals.

We’ve had great success assisting our clients with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit cards, inquiries, late payments, old addresses, judgements, tax liens and student loans that meet our “Disputable 5” criteria.

In our experience, as long as the account is current or paid at the time of removal, or if the collection is older than 3 years, it will not come back. Only in very rare circumstances will a removed account come back; such as a collection account re-reporting under a new collection agency’s name, because they have purchased the debt from the previous collection agency, whom we were successful in obtaining a deletion.

If you have open collections, our Credit Specialists can advise you on how to tackle these accounts so that they can no longer be sold from one company to another, eliminating the possibility of a new negative item being added to your credit report.

Keep in mind that it’s also very important you maintain good payment history and continue to develop excellent credit habits so that you can not only achieve the highest possible credit score, but keep it.

When you initially enroll, you will have access to your secure Client Communications Portal.

Here, you can log in 24/7 to view your Custom Credit Analysis, updates to your file after each dispute round has been completed, and more.

There is also a secure messaging center where you can contact our Credit Services Team directly should you have any questions or concerns at any time during the process. Our Team is available during normal business hours.

Every 60-days, you’ll have a Personal Credit Building Strategy Session with a Credit Specialist, who will discuss additional tips that you can implement to further strengthen your credit profile.

We want you to feel supported every step of the way!

Our Client Learning Center is the BEST in the industry – bar none! We understand that Credit is A Tool. A tool is used to carry out a specific goal or objective.

Our Client Learning Center will help you to finetune your goals, deepen your knowledge of credit, master the budgeting process, teach you how to destroy your debts, develop a long-term strategy to tackle your student loans, provide you with a blueprint to claiming the keys to your new home, breakdown the investment process, teach you how to invest in real estate for as little as $500, and so much more!

We have monthly credit and budgeting Q&A sessions and monthly expert instructors who come into our community to teach a wealth-building and/or side hustle lesson as well!

We don’t want to just help you to transform your credit, we want to help you to transform entire finances!

Due to the nature of our services, we do not provide refunds on work performed or services/programs included in our services.

Our clients have immediate access to many of our best-selling Masterclasses inside of their Client Learning Center, as well as daily access to our secure Client Communications Portal where they can communicate directly with their Credit Services Team (during business hours) and to check the status for dispute work performed, they also have 1-on-1 Credit Building Strategy Sessions with one of our Credit Specialists every 60-Days, and access to Live Group Coaching and Q&A Calls twice a month.

Our services are different. We combine

  • Credit Repair,
  • Credit Building,
  • Credit Coaching, and
  • Credit Education,

so that you have everything you need to achieve your Financial Goal(s).

Diving into each facet of the services and programs available to you requires a personal effort.

We will ensure that we are doing everything possible on our end to help you meet your personal financial goals!

Under the Fair Credit Report Act, you have three days after making your initial enrollment investment to cancel.

After the three day initial enrollment period, you must give a 14-day prior written notice before your next billing date.

Although our preferred commitment is 6+-months, we do not have a forced requirement for how long you must maintain our service. That means you may cancel at any time without suffering cancellation fees. However, our credit repair service is paid 30 days in arrears, so it’s still the client’s obligation to pay for services already rendered if canceled. To avoid future occurring additional service fees, you MUST cancel 14 days prior to your billing due date.

Yes, credit repair is legal and our credit education and dispute processing services will help you to use the law in your favor. Inside of your Client Learning Center, we’ll also educate you about several laws that we’ll be utilizing on your behalf, such as The Fair Credit Reporting Act, The Fair Debt Collections Practices Act, and more. These Acts were created to protect YOU, the consumer, from billing errors, credit reporting errors, and deceptive practices from the Credit Bureaus, Creditors, Lenders and Collection Agencies. Our team is thoroughly and consistently trained in these laws so that they can go to work for you immediately upon your enrollment.
Credit repair and tactics used by The Frugal CrediTnista are 100% legal. The Fair Credit Reporting Act allows consumers to challenge the validity of any inaccurate or obsolete information on any consumer report. Through this act, our Company will only exercise guidance that is parallel to what the laws have specifically laid out. We are required to abide under the state laws in which we do business and as a result we are licensed and bonded through the state of North Carolina.


NOTE – A:  If both you and your partner are looking to enroll in our Credit Dispute Services, 2 separate Prequalification Applications will need to be completed.  Please use 2 separate email addresses on your applications. 

NOTE – BIn order to prequalify you for services, we will need access to your 3-Credit Bureau Credit Monitoring Report. Your credit monitoring report will need to include data for all 3 credit bureaus on ONE credit monitoring report.  We currently support the following credit monitoring company’s services, if you are qualified for services:

  1. MyScore IQ (this is the only one that provides FICO Scores, the others are Vantage),
  2. Identity IQ,
  3. My Free Score Now.

Please, NO Credit Karma, Credit Sesame, Experian, AnnualCreditReport.com, or any other credit reporting service that does not provide data for all 3 credit bureaus on ONE report. 

For the prequalification process, you can use whatever 3-credit bureau credit monitoring company you desire, other than the companies listed above.  This means that we cannot utilize Credit Karma, Credit Sesame, Experian, AnnualCreditReport.com to prequalify you for services.

When you have been qualified for services, one of the aforementioned supported companies – MyScore IQ (FICO Scores) or Identity IQ orMy Free Score Noware required to be maintained for the entire time that you are enrolled in our program.  If you’d like to use another credit monitoring company, an additional investment will be assessed.

FYI, Services are not available in GA: however, we can provide you with the support, tools, resources, referrals, and step-by-step dispute strategies inside of our DIY Credit & Wealth Building School, Credit On Fire Academy.  

We have Partner Companies for Services in SC/CO/LA/OR/KS/CA.  If you live in one of these states, and complete our free Prequalification Form, you are authorizing us to have our Partner Companies contact you in regards to Services in your area.

I have read and agree to MNH Financial's Privacy Policy (More Info)
Your Email has been received!
Your information has been received! Thank you!
Free Credit Repair Toolkit!
I have read and agree to MNH Financial's Privacy Policy (More Info)
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!