"I must say first that the $35 I paid is worth every penny and then some. I really am learning a lot about credit how to build it how to keep it. I just really thought it was just about to get your numbers up so you could buy a condo or a house. I am so glad that I took this class so informative and she answered a lot of my questions and other people ask questions I didn't even think that I need the answers to. This is a awesome awesome experience thank you so much for doing this for so many different people. May you be blessed with the highest blessings ever.# ultimate creditmasterClass"

"Netiva Heard is personable, relatable, and fair. #UltimateCreditMasterclass she was knowledgeable and up to date about recent credit practices and a timely business woman. Kudos Netiva!"

"I've taking other credit class in the past, but this information is phenomenal. Netiva rocks the credit game out!!! #UltimateCreditMasterClass"

Netiva is so knowledgeable and the fact that she is willing to share with others speaks volumes. There are so many things that I have learned from the types of FICO scorecards that exist to the Do's/Don'ts of dispute letters. But the information presented for those of us with student loans was awesome! I look forward to learning so much more and applying several strategies to destroy my debt. #ultimatecreditrepairmasterclass

"#UltimateCreditMasterClass My biggest takeaway was making your dispute letters sound like they come from a normal everyday person, not quoting laws or rules as the bureaus and creditors already know the laws and rules"

"I am amazed at the amount of information there is concerning credit, not difficult just a lot. Netiva explains it with such clarity. I am so excited to see where this journey leads me. #TheUltimateCreditMasterclass"

"I'm so glad I decided to enroll in the #UltimateCreditMasterclass. Netiva breaks everything down in a manner that is easily understandable and shares her own relatable experiences with credit issues. I learned what are myths and actual facts. Like the 30% credit utilization is the max and 19% utilization is the magic number to stay under to soar your credit! Thank you The Frugal CrediTnista!This class has been money well spent. Educating ourselves how to play the credit game to our advantage is beneficial to creating generational wealth. Each one, teach one."