Crush Your Credit Planner!

Real talk: Getting organized is THE first step to fixing your credit.

Now, you could spend hours checking and double-checking your finances, creating custom spreadsheets, and trying to figure out what info you need to include and what to leave out.

OR you could grab your very own Crush Your Credit Planner!

Packed with 51 pages of exclusive content, this planner makes organizing your financial life super easy.

With goal sheets, credit score planners, bill trackers, money worksheets, debt elimination trackers, and more!

My Soar Your Credit Planner will help you keep tabs on every last detail so you can level up your credit score!

Free – 5-Day Credit Report Mastery Class

Welcome to the Prosperity Partners Family!!!

I am super excited to teach you how to begin Mastering Your Credit with my free 5-Day Credit Mastery Challenge!!!

Credit impacts so many areas of our lives – employment, insurance, apartment approvals, homeownership, and more! It is imperative to monitor it on a regular basis to ensure that everything is reporting accurately and completely. This Challenge Will Help You Do Just That!

I’ve been in the real estate and credit industry for over a decade and after educating thousands of future homeowners, clients, and members of my Credit on Fire Academy, I can tell you from experience that the number one concern most consumers have isn’t how to obtain their reports, it’s how to How to Read and Understand What They’re Looking at!

Again, I’m here to help you with that 🙂

We’ll spend 5 days together going over each section of your credit reports in detail.

  • I’ll provide you with screenshot examples from each credit bureau and credit monitoring reports, and
  • Teach you how to pinpoint legit errors on your report, which is crucial to know if you plan on disputing negative items on your credit reports.

Ready to get started? GREAT!

Here are your next steps:

  1. Whitelist and prioritize emails from hello@mnhfinancialservices.com. This is important! If my emails aren’t getting through, you’ll miss all of our updates and you won’t receive the full benefit of being a Prosperity Partner.

2. Create a special Frugal CrediTnista folder where you can archive our 5-day Challenge emails AFTER you have read them. You’ll probably want to go back and revisit a few of the tips I provide having them available at your fingertips works much better than using your email provider’s search function :).

3. We’ll cover credit reports from annualcreditreport.com; the 3 major credit bureaus – Experian, Equifax & Transunion, MyFico.com, Identity IQ, and CreditCheckTotal.com. Although you are not required to have a report from any of the aforementioned sources, it will definitely help to have a report from a reputable source other than Credit Karma, as you’ll need all 3 credit bureau information.

4. I’m sure you’ll have questions. I encourage you to ask them inside of our free Credit Makes $ense Community!

I look forward to hearing about your credit transformation :).

~ The Frugal CrediTnista


The Ultimate Credit Masterclass

Over 4000 people have taken this training, it is by far our BEST course to quickly take your credit knowledge to the next level!

Your Credit Masterclass Includes:

  • 7 Video Training Modules
  • 5 Fast Action Guides w/Dispute Letter Templates for Every Account You Want to Tackle
  • 15 *Fact Check & Extra Credit Handouts
  • 5 Expert Training Videos on Student Loans, Bankruptcy, & Home Ownership!

Here’s A Sneak Peek of What You’ll Learn:

**Instructional Video Lesson 1** – Master Your FICO Scores

• Take A Peek Behind the Curtain of FICO’s Dive into FICO’s Scoring Algorithm & Get My BEST Strategies on How to Quickly SOAR Your FICO Scores!

**Instructional Video Lesson 2** – Master Your Strategy Learn How to Create Your Custom Credit Soaring Action Plan

• You’ll Learn What to Dispute (Along w/How & Why), What to Leave Alone, Pitfalls to Avoid & MORE! {Complete w/Dispute Letter Templates!}

**Instructional Video Lesson 3** – All About Public Record Bankruptcies!

• Learn the Dispute Tactics Credit Repair Companies Charge $1000s for! – Best Practices, Downloadable Action Guide, Dispute Letter Templates, & MORE!

**Instructional Video Lesson 4** – Collections & Settling Your Debts ***Get NEW Updates Here!!!

• Learn When to Dispute, When to Settle, & When to Ignore & More! Dispute Letter Templates Included!

**Instructional Video Lessons 5** – Inquiries, Late Payments & Charge-Offs

• Learn My Top Strategy that has Helped 100’s Remove These Bad Boys from their Credit Reports!


Preparing for Home Ownership** – 3 Video Lessons on VA Loans, FHA, USDA, the Mortgage Process & MORE!

Tackling Your Bankruptcies & Student Loans** – 2 Video Lessons w/Licensed Attorney Teaching You How to Tackle BOTH!

It’s Time to Experience Great Credit with My Ultimate Credit Repair Masterclass!

See You Inside :)!

Netiva Heard, Certified Financial Educator

Netiva Heard, Certified Financial Educator

Netiva Heard is the personal finance coach people call when the only thing standing between them and their next major life move are their finances.

Affectionately known to her clients as the “The Goal Crusher's Credit Coach”, she offers honest, no-non-cents advice that helps individuals and couples to create rock-solid financial foundations that they can begin leveraging to create.

While servicing hundreds of private clients with 1:1 coaching through her full-service company, "The Frugal CrediTnista", she also regularly pours her financial wisdom into students of her online school, Credit on Fire Academy, and her free online community, Credit Makes $ense, which has allowed her to teach over 200,000 people how to achieve 700 FICO scores and above.

With Netiva by their side, women and couples across the country are learning to Master their Money, Destroy their Debts, and Soar their Credit Scores! If you know it’s time to finally crush your money goals, learn more about Netiva and her work at MNHFinancialServices.com.

Free – Soar Your Credit Scores! Understanding the Basics

Course description

My Understanding the Basics webinar will give you the fundamentals for repairing, restoring, and rebuilding your credit scores!

We will cover:

~ What is Credit & Why It Is Important
~ How Information Gets On Your Credit Report
~ How to Obtain A Free Copy of Your Credit Report
~ Breaking Down FICO
~ What You Should Look for When Repairing Your Credit
~ Consumer Laws & How to Use Them to Restore Your Credit
~ How to Successfully Dispute (w/Sample Dispute Letters)


If you’re looking to get more understanding of how the credit repair process works, and actionable tips to ensure your success; this eCourse is for you!!!

Ready to get started? Let’s Go!

DIY Credit Repair Kit

Course description

Improving your credit on your own is TOTALLY doable; especially if you have the knowledge and patience to do so.

My DIY Credit Repair Kit will provide you with the education you need to soar your credit scores all on your own!!!

Kit includes:

DIY Credit Repair Guide – FULL of information detailing the laws behind credit restoration, the systems behind the credit disputing process, both basic and advanced disputing techniques to destroy the negative, inaccurate items reporting on your credit report. I made sure it was 62 pages full of valuable information and strategies to make your credit improvement journey as simple as possible.

Advanced Dispute Letter Package – 100 Dispute Letter Templates for almost any credit situation you’ll encounter.

4-Hours of Exclusive Training – I’ll walk you through how to get started and the best methods of disputing negative items and Soaring Your Credit Scores!

Credit Log – Organization is the key to permanently transforming your credit, I’ve included a credit log, with instructions, for you to track your progress and stay on top of your restoration efforts.

The average credit score increase from my DIY kit is 63 points in 78 days! That’s pretty epic 🙂



Netiva Heard, Financial Educator

Netiva Heard, Financial Educator

Netiva "The Frugal CrediTnista" is a Financial Educator, Certified Credit Counselor, Personal Finance Coach, IL Realtor & Owner of MNH Financial Services, LLC!

She has a Masters in Business Management & Finance and several certifications in the Credit, Finance and Real Estate Industry.

For over 10 years, she has been assisting consumers in Destroying their Debts, Growing their Money and Soaring their Credit Scores.

Empowering, educating and equipping consumers with the tools and resources they need to Transform Their Finances is both her purpose and passion. She is committed to delivering up-to-date, quality and factual financial information that will positively impact the finances of households across the country.

Contact Netiva "The Frugal CrediTnista" at info@mnhcreditsolutions.com.