Hey, Hey Prosperity Partner!

Welcome! I am Netiva, "The Frugal CrediTnista"

I Educate, Equip, & Empower Prosperity Partners, just like you, to Transform their Finances so that they can CRUSH their Financial Goals!

Ready to Get Financially “Lit” with Me?

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Money * Credit * Homeownership & MORE!

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Ready to level up your credit score? Grab your 50% off our exclusive masterclass and resources and elevate your financial game!

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Are You Ready for Your Transformation?


w/The Frugal CrediTnista & Nicole Johnson

October 28th, 2023, at 11:15 AM ET / 10:15 AM CT.

Ready to boost your holiday budget without taking on extra work? Say goodbye to counting bills and hello to counting deposits! Don't miss this opportunity to supercharge your income. Come learn the secrets to generating 1000k in just 30 days!


Your roadmap to breaking free from debt and paving the way to financial freedom. Conquer your student loans, master repayment, and master your future.

Learn my complete process for disputing and tackling money that’s gone to collections, the specifics on how to spot violations and strengthen your dispute letters, my process for dealing with debt collectors over the phone, the best ways to respond to a debt collector letter and how to negotiate a settlement on a collection account and more.

Looking for a way to get those pesky medical collections off of your credit report? Well look no further! Get this Medical Collection Dispute Guide and learn the top tips for settling Medical Collections, and strategies for avoiding Medical Debt being sent to collections.

My Fire Your Hard Inquiries Masterclass will show you our proven methods that have helped our clients over the past 10 years! #DidYouKnow Getting hard inquiries removed from your credit reports requires a simple strategy that can be done via phone or mail; we’ll show you how!

We’ve packed our Get Your Budget On! course with easy-to-follow, practical tips and strategies that you can begin implementing right away! You’ll learn the budgeting skills and strategies you need to jumpstart your journey to achieving the financial success you've always wanted. We want you to leave this course feeling confident and empowered to take control of your finances.

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Inside of My Credit Makes $ense Community You’ll Find:
Free Dispute Letter Templates, Budget Worksheets, Saving Workbooks, Free Classes, DIY Courses, & Sooooo Much MORE!

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When You Are Apart of Our Free Prosperity Partners Email Community, You'll Enjoy Weekly Credit, Money, Homebuying & Financial Tips; New Disputing & Money Mastery Tactics that Work; Free Financial Challenges & Q&A Prosperity Calls; Discounted Specials on Masterclasses; Latest Industry News & Updates, & Soooo Much MORE!

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Snatch Back Your Credit Bundle: Get a plug-n-play approach to Soaring Your Credit Scores! Over 100 Dispute Letter Templates for almost any credit situation, My Master DIY Credit Repair Guide, Over 4 Hours of Video Training, and MORE!

Claim My Keys Homebuying Guide: Learn everything you’ll need to Claim the Keys to Your New Home! I’ll walk you through the steps to go from “I Want A Home!” to “I Got My Keys!” on the day of your closing.



Is Your Debt Getting in the Way of You Accomplishing Your Goals? Let Our Expert Money Coaches Get You on the Right Track! We’ll Help You to Transition Your Money from Maintenance to MASTERY!!!

I am a mother of 2 beautiful black boys. Wife to one fine black man… I love traveling! I’ve been bi-coastal since 2019, calling Chicago, Charlotte, and Merida, MX home.
I LOVE financially empowering others. My mission is to help as many women and families as possible to defy wealth statistics and to transform the faces of ownership in our communities.
I’m a wine-luvin’ foodie! As a cancer survivor, I truly believe in living every millisecond to the fullest. I am a strong believer in financial empowerment through education. I am all about EEET – Educating, Equipping, Empowering & Transforming. I wake up feeling truly blessed to be a blessing to others!
© TheFrugalCreditnista 2023