The Frugal Creditnista

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Join Us for an Exciting Journey of Credit Transformation

So excited to have your here!  When I co-wrote the Live Richer Credit & Homebuying Challenges with Tiffany ‘The Budgetnista’, it was all types of awesome-sauce. Educating and empowering others is a true passion of mines and to be able to live that passion out loud with all of you is ah-mazing!
But you’re not here to hear about me, you’re here to learn how I can help you turn those FICO Scores around.
So let’s get to it!

Say Goodbye to Credit Worries and Overwhelm

If you’ve gotten to the point where you are sick and tired of worrying about your credit scores. If the information you’re receiving is a bit overwhelming, which makes it difficult to personalize the strategies to your unique credit situation. Or, you simply don’t have time! If you’ve implemented a few things, but found the process to be too time consuming based on your current schedule. I Understand, and this is for you!
I Understand, and this is for you!

Learn from Personal Experience - It's Possible!

I have personally had almost every bad credit rating you can think of – Bankruptcy, Judgments, Tax Liens, Charge-Offs, Collections – you get the point!

Right now I’m sitting smack dab in the lower 800s. Not bad, huh?

I shared this to show that

1. It’s Possible!
2. It takes time.

At this score range, I'm able to command the best rates and terms no matter what type of funding I desire.

I want the same for you.

Making the decision to improve your credit scores is one of the best financial moves you can make to build a solid and promising future for yourself.

It’s an important part of the wealth-building process, the retirement planning process, and your overall financial success!

Ready to get started?  Great! Review the services that I have crafted just for you below, and let's get started on this financial transformation together!
20min Personal Credit Consultation
Need a little direction on how to handle a specific credit situation?  This consultation is for you!  We’ll discuss your credit situation, review your credit item(s) on your credit reports, and answer your questions to get you on the right track!  You’ll walk away with 1-2 immediate action steps to begin improving your credit right away.
This consultation is best if you need a quick and reliable answer to your credit question, are you’re unsure how to handle a financial dilemma, or want a quick review of your credit reports to see which program/service would be best for you.
Personal Credit Building Strategy Session
Need A Step-By-Step Plan of Action? Need help creating a plan to improve your credit as efficiently and quickly as possible? Or do you need reviewing your credit reports for errors?
This Consultation is for You! We’ll perform a complete Analysis of your Credit Reports, Consult with you on our findings, recommend next steps, answer any questions, and based on our conversation and your goals, we’ll craft a Custom Credit-Building Plan of Action for you to follow
20min Personal Budgeting Consultation
A consultation to review your personal budget. You’ll provide us with a copy of your income + expenses using the Money Mastery Workbook and we’ll review it, offer suggestions to fine-tune it, & answer specific questions to begin Mastering Your Money. Plan to walk away with 1-2 actionable steps that you can begin implementing immediately.
1-Hour Personal Budgeting Strategy Session
A comprehensive review of your personal income and expenses for the sole purpose of helping you create and implement a Personal Spending Plan to Light Your Financial Goals on FIRE! A workbook will be provided at the conclusion of your call that fully outlines your new spending plan!

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