The Frugal Creditnista

Our Success Stories

NETIVA HEARD

I am a strong believer in empowerment through education. I am all about EEET – Educating, Equipping, Empowering & Transforming. I can’t wait to share and hear all of your success stories as we embark on this debt-free journey together!

Read some of our success stories below to find out how our clients and partners have been Mastering Your Money, Destroying Their Debts & Soaring Their Credit Scores!

This weekly class was 🔥 I learned so much how to repair, dispute and stay consistent to see results. The guides given was easy to understand and follow as we progressed day by day. I knew what I had to do to clean up my credit but I did not know where to begin. Netavia made that task possible by pointing me in the right direction. I am so grateful for her knowledge and guidance.. Thank you so much.

Donna Madison
Donna Madison

I was enrolled in The Ultimate Credit Repair Masterclass and it has been a game changer. This program broke down every step that is needed to understand and correct past actions. Along with prerecorded lessons, we were able to have a Q&A every night for hours! I am so ready to tackle the issues that are stopping me from crushing my credit goals! The Frugal Credit CrediTnista is the truth!

Chloe Evans
Chloe Evans

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 Whitfield
Shantrell Whitfield

I have been rebuilding from a BK7 and I have done a ton of research. So much research that I feel like I have become a know it all. I thought I didnt really need this class but I bit the bullet and paid for it anyway because my girl Tiffany the budgenista said you were the bomb.com. She told no lies. I knew a lot of things but I still learned so much valuable information about how to dispute using factual errors, about credit myths, extra tips on closing sub prime cards and disputing old addresses, and letting closed accounts with good history rock out. This was such a valuable course and I am so glad that the budgenista introduced us to you. Thank you for doing all the hard work and breaking it down into bite size pieces. The information was easy to digest and implement right away. No regrets here!

Renee Webb
Renee Webb

The Frugal Creditnista, Nativa Heard, hosted the Quintessential credit management training experience I have ever taken. After 72 years of life, The Ultimate Credit Master Class has armed me with the tools and the knowledge to mend my ailing credit. I can make a difference in my life. I now know how to make much better credit and budget decisions. I really wish I had been exposed to the information that Netiva shared at a much earlier age. While I believe that it is never too late, it would have been better as a teenager and could have helped me to avoid the credit path that I ultimately took. I would love to see a class that targets educating our young people. Ummm, maybe I will give that some thought. Thank you Netiva for a job well done!!! Hats off to the Budgetnista, Tiffany, for helping to make this training possible.

Fredricka Gant
Fredricka Gant

OMG! If you have not taken the Ultimate Credit Repair Masterclass, you are missing out. Ms. Netiva the CrediTnista knows her stuff. The information provided, videos, assignments, and live Q&A's were phenomenal for the price of the class. Netiva was professional, on point with any questions we had, giving examples so we understood. I personally appreciated her passion about empowering others to build good credit, how to read, dispute, or delete items on your credit report and steps you need to take. She went over & beyond answering all questions that were posted or during the live Q&A. I look forward to having my 1-on-1 counseling session on helping me to build more positive credit history so I can watch my credit score soar! Thank you, thank you, thank you! Netiva you are a "Rockstar".

Karen Silmon
Karen Silmon

I really enjoyed “The Ultimate Credit Masterclass! We learned a lot about credit overall and how we can best manage our own. The environment created by The Frugal CrediTnista and her team was very welcoming and friendly. We are all in different places on our financial journey, but in this class we were all equal because we were learning - together! Netiva and Team, thank you for the time you spent putting together our daily classes/materials. I’m leaving this class smarter and more confident about my financial journey.

Jemia Montgomery
Jemia Montgomery

Hello, I wanted to express how I am glad that I had taken this class. At first I felt overwhelm with the information that was provided because it was a lot of new materials. I knew for my learning style I will need to review and take time with this information. After the fourth and fifth day of listening to the questions and the answers all of the new information started to make since. Now I am ready to start my journey with rebuilding my credit and my confidence. Thank you.

Benetric Jackson
Benetric Jackson

What an amazing opening experience with The Frugal CrediTnista. I learned so much about what to do and not what to do, when it comes to my credit. In the past, I have disputed items on my credit reports and have helped a few of my family and friends. But after taking this course, I realized I did not use the best tactics for myself and those I helped. If you need help with your credit life, Netiva and her team are the go-to in this industry. There is so much more I can say, but I'll stop here. Ok, one more thing. You can tell when someone loves what they do and is good at it. Netiva is not only good at what she does, she it excellent! Thank you Frugal CrediTnista!

Kathy Carter
Kathy Carter

Listen to what some of our partners have to say!

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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!