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Free – Claim My Keys Homebuying Challenge

Welcome, Future Home Owner!!!

I am so excited about this Challenge, you have no idea 😊.

You see, helping people Claim the Keys to their New Home is my first passion, which actually led me to credit repair. There is no greater feeling than seeing the happiness and gratitude in a new home owner’s eyes when the keys to their new home are handed over to them – it’s truly the best feeling ever!

However, many never get to experience this exhilarating feeling because they fail to do one thing:

Prepare.

Preparation is the Key to Home Ownership.

Many are surprised when I say this because we often hear that credit, or stable employment, or a large down payment is the key to Claiming Your Keys. Although these are important, they aren’t the primary steps to take when planning for homeownership.

Preparation is.

Why?

Because there are a lot of ups and downs in the home buying process, and if you are caught off guard by them, they can make the entire process super stressful. Who needs that?

Thus, you need to prepare. Plus, those who prepare end up spending less money on interest and other fees as well.

So, how do you prepare?

By educating yourself!

I can’t stress enough how empowering education is, whether you’re looking to Soar Your Credit Scores, invest, or – like today – Claim the Keys to your new home, it all starts with education.

I created this free Home Buying Challenge to do just that; educate you on how to strategically prepare to Claim the Keys to your new home. I’ll teach you the steps that are integral to going from “I Want A Home!” to “I Got My Keys!” on the day of your closing.

Some of the Questions You’ll Be Able to Answer After You’ve Completed the Challenge:

  • Do I understand my potential startup costs?
  • Do I understand the loan type that I have the highest chances of being approved for?
  • Do I understand the credit guidelines, and know what I need to do to meet them?
  • Am I financially ready to purchase right now? If not now, when?

Keep in mind that as we go through each day’s lesson, you may find that you aren’t as anxious to claim your keys as you thought you were; that’s fine! Homeownership is not for everyone. It’s best to learn this now than when you’re in a new home absolutely miserable.

Some of you may find that you’re not ready right now. That’s okay too! Just because you aren’t ready now, doesn’t mean you should give up on your dream, it just means that you should work a little harder. And what worthwhile goal have you accomplished that didn’t take some extra muscle to bring to fruition?

Ready to get started?

AWESOME!

Each day, for 10 days, we’ll cover a specific topic in the home buying process. Some lessons will require you to complete specific tasks, and I encourage you to complete them in a timely fashion – no excuses. You want those Keys, right?

Some lessons will require you to post your answers in our online community, The Prosperity Club, so that we can learn through Case Studies, Discussion and Questions. PARTICIPATE!

My community has a fierce no-judgment zone policy, and if I can post openly about my bankruptcy, foreclosures (yes, plural), and purchasing a pair of $180 Aldo boots with my rent money in the past, then please believe you can post anything about your finances and not face ridicule. The embarrassment is in your head; not in our loving community. So, get out your head and participate! 😊

You have a workbook that you can download with each day’s Challenge Lesson. Each assignment will be detailed in your workbook, along with space to complete your assignments and log your questions.

Following, you’ll also have a Live Lesson with a Financial/Real Estate expert, where you’ll obtain additional information that is significant to help you leap closer to owning your own home. 

If you have any questions on the Live Lesson, simply post to The Prosperity Club, and tag the instructor of that lesson.

Ready to work?  AWESOME!


Pre-assignment – pull a copy of your credit report (not Credit Karma and not just your scores, your CREDIT REPORT).

Suggestions: ProCredit.com or IdentityIQ.com

It’s no secret that our credit must be on point to purchase a home. Some of our assignments in the next couple of days will require you to reference the items on your report. Plus, you’re in The Frugal CrediTnista’s free challenge, of course, we’re talking credit!!! LOL

Alright Future Homeowner, are you excited?  So am I!!!

Let’s rock 🙂

Your Partner in Prosperity,                   

~ Netiva

Free – 5-Day Credit Report Mastery Challenge

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, home ownership, 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 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

 

Fire Your Collections

Course description

This course will walk you through How to Fire Your Collections once and for all!

You’ll learn:

  • My Complete Disputing Process for Tackling Collections – from Beginning to End
  • How to Spot Violations to Strengthen Your Dispute Letters (specifics, not fluff!)
  • How to Deal with Debt Collectors Over the Phone
  • How to Respond to A Debt Collector Letter
  • How to Negotiate A Settlement on A Collection Account
  • And More!
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.

The Ultimate Credit Repair Masterclass

A Full 7-Day Course that lays out the Specifics on CRUSHING Your Credit Goals! 

Netiva breaks down the credit repair process in an easy to understand fashion, allowing you to jump-start your credit repair journey in record time! 

Join her each day to tackle a specific area of your credit reports. Each day will include

– Video Instruction,

– Dispute Letters,

– Q&A Replays,

– And more!

 

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)

AND MORE!!!

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!

Dispute Boss

Course description

WELCOME TO DISPUTE BOSS

If you looking for proven, step-by-step strategies to legally and permanently remove inaccurate, unverifiable, inconsistent, questionable, untimely, incomplete negative accounts from your credit reports –

Look no further than Dispute Boss!

You’ll receive the same strategies that I use to remove 1000s of Collections, Judgments, Bankruptcies, Charge-Offs, Late Payments and MORE from my client’s credit reports every year!

You’ll also learn how to expertly handle some of the tricky responses that the bureaus and collection agencies will send you, such as ‘Your Dispute is Suspicious’; or ‘We Investigated this Already and Will Not Reinvestigate’, Bogus Validation Responses from Collection Agencies, and different tactics to employ when an account comes back as ‘Verified’.

These are both Basic and Advanced Disputing techniques that professional credit professionals use every day to help their clients reach 700+ credit scores.

I’ve also included instructions on how to remove inaccurate, negative information from your Innovis credit reports as well!

Included are well over 75 dispute letter templates, including 609 dispute letters; video instructions, printable Action Guides that further detail the steps you should take to ensure your success, and more :).

If you’re looking for the tools to soar your credit scores, broken up into tactical, actionable steps; DISPUTE.BOSS.IS.IT!!!

See you on the inside!

~ Netiva “The Frugal CrediTnista”

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.

Claim My Keys! 10-Day Home Buying Intensive

Course description

Ready To Claim The Keys To Your Dream Home?

Then my “Claim My Keys” Home Buying Challenge is for you!

In just 10 days, I’ll teach you the specific, step-by-step actions to take to Claim Your Keys to your Dream Home!

We’re talking credit, budgeting, lender approval guidelines, which loan type works best for you, debt-to-income ratios and more!

You’ll receive each day’s lesson in a downloadable workbook, filled with additional strategies for:

  • Repairing Your Credit
  • Budgeting & Financial Goal Setting
  • Eliminating Debts
  • Improving Your Debt-to-Income Ratios
  • How to Guarantee Your Home Loan Approval
  • How to Build Your Home Buying Team
  • And More….

BONUS:

  • Live Credit Class taught by The Frugal CrediTnista (ME!)
  • Live Budgeting for Home Ownership Lesson taught by Realtor & Financial Coach, Natasha M. Campbell
  • Live NACA for Home Ownership Lesson taught by NACA Volunteer & NACA Home Owner Nicole Johnson
  • Live Mortgage Preparation Lesson taught by VP of Mortgage Compliance, Rae Palmer
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.

Rock Your FICO!!!! 9-Week Credit Repair Course

Course description

Establishing and Maintaining Great Credit is No Longer A Choice, But A Necessity.

With employers, utility companies, insurance firms, cell phone providers, lenders and many more entities relying heavily on our 3 digit scores when making decisions on if, when or how to grant us services; it’s imperative that we learn the proper steps to increase our scores and strengthen our credit profile – permanently!.

In this course, we will break down the credit repair process into 9 easy to follow steps that will detail how to Repair, Restore, Rebuild & Transform your credit scores!

Included are step-by-step videos instructions, slides, worksheets, dispute letter templates, screenshot examples, and downloadable action guides, checklists and more to ensure the road to Soaring Your Credit Scores is as Simple, Understandable and Thorough as possible. You’ll be able to start utilizing the strategies outlined in this course immediately after completing the first section of this course.

Ready to Rock Your FICO? Let’s GO!!!

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.

Course description

Tired of Renting? Is Home Ownership ‘Calling’ You?

Are Your Finances Holding You Back from Claiming Home?

 

Then This Challenge is for YOU!!!

 

I have packed this course full of financial strategies to help you Fix Your CreditEliminate Your DebtsBudget for HomeOwnershipPump Up Your SavingsSearch for FREE Money (Home Ownership Grants), AND MORE!!!!

You’ll Learn How to:  

  • Calculate “How Much Home Can I Afford”, you sit down with a loan officer!
  • Understand the Different Type of Lenders & Mortgage Programs, and how to select the one that’s right for you,
  • Questions to ask when interviewing Realtors & Loan Officers; so that you can select the best one for you,
  • Federal, State & Non-Profit Grant Programs for 1st Time Home Buyers & ‘Move Up’ Buyers,
  • Approval Guidelines for FHA, VA, USDA, Conventional & Special Financing Programs so that you can pinpoint the type of mortgage you desire,
  • Stages of the loan process and the documents you’ll need to soar right through it,
  • How to Identify your NEEDS & Wants in your new home,
  • Calculate your TRUE Debt-to-Income Ratio,
  • We’ll spend a significant amount of time discussing my favorite topic –> Credit Improvement! We’ll review tactics for quickly raising your credit scores; how Public Records, Late Payments, & other negative items affect the mortgage approval process, How to write appeal letters for reconsideration if these items are currently reporting on your credit reports; Tips for Settling Debts so that you can keep more money IN YOUR POCKET, and MORE! What Out of Pocket Expenses You Should Save For, What Are ‘Reserves’ and How much will you need,
  • Review sample HUD Closing Statements to determine the closing costs & fees that both Buyers and Sellers are Responsible for, Who pays the professionals that are assisting you during the home buying process, and how to protect yourself
  • And MORE!

If you are seeking to purchase a home and your credit, money, or savings is holding you back; this is the course you CANNOT afford to miss!!!!

See you in the class!

~ Netiva
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.

Rebuilding Your Credit After Bankruptcy

Rebuilding After Bankruptcy:

Have you been Discharged from Bankruptcy, or soon will be, and are looking to Soar Your Credit Scores?
 
This course is for you!
 
Receive our step by step process on how we’ve helped 1000s soar their credit scores to 700+ in just 12 months after being discharged from bankruptcy!
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.

Fire Your Hard Inquiries

Course description

Every time you apply for credit, your credit information will be checked, and a hard inquiry will be placed on your credit file, whether your are approved or not.

Too many of these inquiries can drop your score and can signal to creditors that you may be heading towards financial hardship.

To many inquiries = too much debt = decreased credit scores.

Who needs that?

Here, I teach you my best tactics for removing 100s of hard Inquiries from my client’s credit reports each year!

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.

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.

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 🙂

 

Enjoy!

~Netiva

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.

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