Success Kit – Boss Up Your Budgets!


Welcome to the Boss Up Your Budget Success Challenge! This course is only available to our Prosperity Members and can only be accessed with the investment of the Success Kit for this challenge.

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Setting-Healthy Boundaries & WorkBook

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Start creating the satisfying life you desire!

You want a life filled with relationships that support you and bring you joy and boundaries that allow you to spend your most precious resources – time and energy – on crushing your most important dreams and aspirations.

No more living your life on autopilot!

You want to use your time and energy to create the best possible life for yourself!

Introducing My:

Setting Healthy Boundaries Workbook!

This practical and empowering workbook will help you identify what truly matters to you, what’s ok with you and what isn’t ok with you in your relationships and the infringement of your time, energy, finances, and more!

When you are crystal clear on what your boundaries are, setting and communicating them to others will become easier and easier.

I created this workbook because I often found myself frustrated with my relationship with my loved ones. I often ended my day completely exhausted because I took no time for myself and expended all of my time and energy towards working and doing for others. This left me resentful, frustrated, and S-T-R-E-S-S-E-D!  When I started understanding and identifying what my boundaries were, I felt calmer and more at ease setting them. The word ‘No’ no longer felt like I didn’t care or love others, but that I cared and loved myself enough to prioritize my own self-care.  Now it’s your turn!

It’s time to create your own personal space to connect with yourself, determine your wants, define your boundaries so you can feel at ease in your relationships while managing your time, energy, and resources to crush your financial goals.

Ready?  Smack that button below to get started!

The Money Abundance Journal

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Do you want MORE money, love, success (or you-name-it)… in your life?

Become an Abundance Magnet (Practically) Overnight!

It’s time to say goodbye to comparing & despairing and hello to gaining control of the energy surrounding your money so that you can begin allowing money to flow into your life!

It’s so easy to look around and feel like everybody is bringing in MORE, doing MORE and experiencing MORE.

It’s also easy to feel like you need to catch up and keep up. It’s easy to feel like no matter how much good you have in your life (and you do have a LOT of good, just saying), isn’t never truly enough.

Now, I have some good news for you:

You Can Expand Your Capacity to Experience & Receive Abundance–Right Now!

If you’re looking to:

  • Uncover your true money mindset
  • Understand limiting beliefs and self-sabotaging thought and behavioral patterns and help you to shift them
  • Gain clarity on what lifestyle would actually make you feel abundant and what you can do to make it happen
  • Reveal what purchases are emotionally charged and how to relief the charge so that you can make decisions that are good for you and serve your long term goals
  • Map out how you can translate your desires into a clear vision that you can then break down into goals and small action steps
  • Make a game plan on how to hold yourself accountable and really follow through with sustainably changing your money mindset and financial situation this time

Home Buying Planner

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Make Your Dreams of Homeownership Come True!

Your mind is set on claiming the keys to your new home. The only problem? You have no idea where to start.

You’ve been on way too many websites to count and have scrolled through countless social media pages searching for the right answers you need to make this homebuying journey a reality…

BUT the tips you’re finding are incomplete and falling short of helping you finally become a homeowner. 

And that’s why you have me! 

Hi, I’m Netiva “The Frugal CrediTnista” and I’ve been helping people just like you to claim the keys to their new homes for over a decade. 

Over the years, I’ve developed a unique system to prepare my clients and students on the home buying process from beginning to end, which has resulted in over 30,000 new homebuyers over the years!

I’ve gathered the most results-driven worksheets, planning templates, and guides and combined them to create…

My Home Buying Planner!

This is not like any other planner, that just gives you tips on credit and budgeting – NOPE! I took it way past that! 

I’m talking resources from different loan types, credit, finances, the home hunting process, all the way to moving day!

🔶 Grab Yours Today And Start Planning Your New Home, Take Your Journal NOW 💼!

Vision Board Workbook & Planner

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I get it.

That burning desire for ‘more’: 

– More time with your family.

– More money to explore a world of possibilities.  

– More peace of mind

You Can’t Create a Dream You Can’t Envision

You’ve probably written down your goals and maybe even added dates and deadlines.

You have to be able to see yourself accomplishing your goal if you want it to become a reality, and that’s what visualization is all about.

Unlike numbers on a spreadsheet or words in a journal, pictures help to paint a mental image that can drive you to reach higher and work harder. The difference is, with a clear goal in sight, you’ll find more focus to help keep you on track to achieve even your biggest dreams.

Vision Board Workbook, Planner, & Digital Vision Board!

I designed it specifically to help you to discover your goals and to take real, actionable steps toward achieving them.

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!

SnatchBack Your CREDIT Bundle!

Welcome Prosperity Partner, we are excited to have you a part of the community! 

Inside this Bundle, you’ll find the insider credit tricks we Credit Experts know but never share.

Not me, though – I’m pulling back the curtain and giving you all the goods so you can kiss those wack credit scores goodbye!

These are the exact same secrets we use to fix our clients’ credit and now we’re sharing them with you!

Inside Your Bundle, You’ll Find:

1. My Step-by-Step Starter Guide – You’ll Know the Exact Letters to Send off & When!
2. Master Credit eGuide – So You Can Snatchback & KEEP Your Scores on Track!
3. 25 of my BEST Dispute Letter Templates – Just Plug in Your Info & Mail!
4. The Most Common Errors I’ve Found on My Client’s Credit Reports So You Can Find & Dispute Your Errors RIGHT NOW!
5. My TOP Credit Boosting Cards & How to Use Them!
6. My Best Resource for Keeping Your Scores Snatched!
7. And MORE (a few extra Goodies)!

Below you see access to your materials. If we can be of any assistance please let us know! 

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6-Figure Credit Repair CEO – Cohort 1

Ready to turn your passion for helping people and your expertise in credit repair into a lucrative business? Look no further than our 6-Figure Credit Repair CEO course! This comprehensive program is designed to equip you with the knowledge and skills needed to launch and grow a successful credit repair company that provides real value to your clients.

Led by industry experts, this course will cover everything from setting up your business structure to implementing effective marketing strategies. You’ll learn how to analyze credit reports, dispute inaccurate information, negotiate with creditors, and more. And with a focus on providing exceptional service and building long-term client relationships, you’ll be able to light up your own financial goals and those of your clients.

Don’t miss this opportunity to take your credit repair career to the next level. Enroll in the 6-Figure Credit Repair CEO course today and start building the business of your dreams!

Free Dispute Letter Templates

Ready to Get Your Dispute On?

Grab our Free Dispute Letter Templates!

Late Payments, Collections, Bureau Report Errors & MORE!

No more wondering “What do I saaaaay?”

We’ve Got You Covered :).

Download. Personalize. Mail.

It’s Just that Simple!

Medical Collections Dispute Guide

*Updated with New Medical Collection Reporting Laws

Medical Collections Dispute Guide comes with:

  • Step-by-Step Dispute Guide
  • Letters to Send to Credit Bureaus
  • Letters to Send to Collection Agencies
  • Follow Up Letters to Send to Credit Bureaus & Collection Agencies
  • Tips for Settling Medical Collections
  • Strategies for Avoiding Medical Debt being Sent to Collections

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Destroy Your Collections Workshop

You must be logged in and a current, paid, registered student ** view this course.

– ** 3 HOURS of Non-Stop Collection Destroying Learning! **

Destroy Your Collections Masterclass with ME

Hot Seat Style Q&A Replay with ME

– Full Action Guide (Downloadable) detailing everything that I’ll go over during our 2hrs together.

– Full 6-Step Dispute Letter Template (Downloadable) going over the entire disputing process (it’s really 9, and trust me, I’ll walk you ALL.THE.WAY.THROUGH.IT.)

Full List of Companies that Offer Payment in Exchange for A Deletion from Your Credit Reports!

And MORE!!!

You’ll Learn:

  • When to Dispute A Collection & When to Leave It Alone.
  • Who to Dispute with First – the Credit Bureaus or the Collection Agency.
  • If you REALLY Have to Pay A Collection Agency.
  • In What Circumstances Can You Pay the Original Creditor Instead.
  • What is Pay for Delete and How Does It Work (with dispute letters and call scripts)
  • What is the Difference between Verification & Validation.
  • How Can You Tell if A Collection Has Been Fully Validated or Not
  • How & When to Escalate Your Disputes – Filing Complaints & Suing 

And More!

Fire Your Hard Inquiries Workshop

Special message: All members must be logged in to view this class. 

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 you 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.

Too 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!

Success Kit – Claim My Keys Challenge

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Are you tired of renting and ready to claim the keys to your own home? Do you feel overwhelmed by the home buying process and unsure of where to start? The Claim My Key’s Challenge is here to help!

This 5-day challenge is designed to provide you with the knowledge and tools you need to prepare for a successful home purchase. From understanding what lenders look for when approving prospective homebuyers to creating a budget for homeownership and reviewing your credit reports, this challenge covers all the essential topics you need to know.

By the end of the challenge, you’ll have a clear plan of action and the confidence to take the next steps towards claiming your keys. Don’t let the fear of the unknown hold you back from achieving your dream of homeownership. Join the Claim My Key’s Challenge today and take the first step towards claiming your keys!

[rrf_course_review course_id="31384"]

Success Kit -Live Credit Report Mastery Class!

Only for the Live Credit Report Master Challenge 10-11-2021! 

I wanna help you blow out this challenge!

As you know, I’ll be going live every day teaching you how to break down and make $ense of every section of your credit reports.

On top of this, I’ll be giving you daily homework assignments containing actionable steps to complete to ensure your success.


I wanted to go a step further and create something that you can continue to reference after the challenge is over. 

  • Something that you can go back to and review the key lessons and takeaways of each daily lesson. 
  • Something that you can go back to and learn additional strategies and tactics to put the foundation in place to CRUSH your credit goals.
  • Something that you can go back to for disputing processes and dispute letter templates.

200 Ways to “Cut the Fat” Savings Challenge

Welcome to the 200 Ways to “Cut the Fat” Savings Challenge!

This course is designed to help you take control of your finances and achieve your savings goals. By reviewing the basics of your budget and providing daily challenges, you will learn how to trim down and adjust your expenses to free up more money.

Throughout the course, you will receive practical tips and strategies to help you organize and plan your budget effectively. With 200 different ways to save, you’ll never run out of ideas to keep your finances on track.

Whether you’re saving for a big purchase or just trying to build up your emergency fund, this course will give you the tools you need to succeed. So why wait? Sign up now and start your savings journey today!

Free – Master Your Money – Get Your Budget On!

Welcome to “Master Your Money”, designed to help you take control of your finances and build a healthier relationship with money.


Do you struggle with managing your money? Are you tired of living paycheck to paycheck and feeling like you never have enough?


Are You Ready to Transition Your Money from Maintenance to Mastery?


Then you’re in the right place :)


In this course, you’ll have Action Guides, Workbooks, and More to Learn How to:

  • Make lifestyle changes and develop a plan that works for you.
  • Develop a budget that is tailored to your unique needs.
  • Keep track of your expenses and review your budget regularly to ensure you are staying on track.
  • Identify your debts, prioritize payments, and reduce interest costs so you can make a plan and stick to it.
  • Budget to save for a specific goal.
  • And More!


By the end of this course, you’ll have the tools and knowledge you need to take control of your finances and live the life you deserve.


Join us today and start your journey toward financial freedom.

Free – Crush Your Financial Goals!

Hey Hey Prosperity Partna!

Are You Ready to CRUSH Your Financial Goals?!

I know you’re screaming “Yes, Netiva, Yes!”  LOL!

Here’s the deal, I start all of my VIP Coaching clients off with the information that you’re about to learn right now.

I’ve found throughout the years, however, that when clients hire me specifically to assist them with their money or credit, they want advice and assistance for that ONLY.


Money & Credit are tools. And if you desire to achieve bigger and better, you have to leverage your tools to BUILD!

Build what?

That is something that only YOU can answer. And once you do…

You’ll need a clear vision and a plan to get there and that is what this class will teach you! How to define and create a plan of action to reach your desired destination :).

When you began your Financial Improvement Journey, I’m sure it was so that you could accomplish a bigger/larger goal. Right? Right!

So, let’s get started!

Credit Makes Sense
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Free 10-Day Claim My Keys

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:


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.


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 chance 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, 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?


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, Credit Makes $ense, 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! 😊

Your Pre-assignment – pull a copy of your credit report from one of the recommended sources: (not Credit Karma and not just your scores, your CREDIT REPORT).

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


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