It’s Time to Finally Take Your Credit OFF Life Support!

Take Charge of Your Financial Future and Start Winning Today! Now is the time to:

  • Boost your credit scores
  • Develop a budget mastery plan that you can easily follow
  • Save more money
  • Destroy credit card debt
  • Make wiser investments
  • Purchase a home without setbacks
  • FINALLY start building a rock-solid financial foundation that you can begin creating wealth and financial independence form.

Credit on Fire Academy offers a simple, yet powerful step-by-step solution to teaching you how to Master Your Money, Destroy Your Debts, & Soar Your Credit Scores!

You’ll learn everything you need to know to OWN your financial status, create the lifestyle you desire, with the support of one of the most awesome Wealth-Creating Accountability Partners you could ask for!


  Praise report. Netiva Heard you are awesome. I've been in credit in fire from the beginning following what you have taught me. My car broke down this morning. I'm at the car dealer now. Pulled my credit score 683. Started out last year at 585. I was asked if I wanted to put a down payment in the vehicle. I came in with a grand. They asked me if I wanted to do 6 years. No I'm doing 4 years and paying it off in two. Thanks for all you do!   

Kimberly M.

  I'm forever grateful to God and Netiva Heard for Sharing her 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! #700Club #TrustTheProcess  

Shantrell W.

  Netiva I am taking this time to THANK YOU!!! Never in my adult life has my credit score ever been in the 700s; but because YOU and all the information you provide us I have made it to the 700 club!!! To the folks who doubt Netiva's courses and information....DON'T! If you do the work, your scores will SOAR!!  

Nicole M.

Members-Only Perks:

Step-by-Step Instructions on How to Tackle almost EVERY Negative Information on Your Credit Reports – Complete with Video Instructions, Dispute Letters, Checklists & MORE!

A Customized SUCCESS GUIDE, that will give you a roadmap on which courses to take and in what order to accomplish your goals!

NEW Group Lessons Each Month, where we’ll break down a financial topic from start to finish – together – on Credit, Budgeting, Debt Elimination, Home Ownership, Real Estate Investing, Side Hustles or Entrepreneurship!

 Live Accountability & Q & A Calls Every 2 Weeks!

Exclusive Members-Only Specials on Credit & Budgeting Services, Financial Coaching, Live Events, & MORE!

***Hot Seats, Expert Live Lessons, Wealth Building Strategies, Side Hustle Tips, & MORE to Help You CRUSH Your Credit & Overall Financial Goals!!!

All the negative stuff on my credit has been falling off. Getting credit card offers in the mail


I got my DTI ratio down to 21%!!!! Thanks to Netiva and her Rent2Home course!!! I see homeownership in the near future!!!


One of the best investments ever!!! In just 2 months my credit scores have increased tremendously, at least 50 points, and just last week it went up another 11 points. You will not be disappointed!


Pricing options



75% Limited OFF/Per Qrt - Limited

Access to Credit on Fire Academy's Courses - Past & Present, Preferred Member Pricing on Consultations, Coaching Services, Live Events, & More!

Learn More! 



75% Limited OFF/Every 6mths - Limited

Access to Credit on Fire Academy's Courses - Past & Present, Preferred Member Pricing on Consultations, Coaching Services, Live Events, & More!

Learn More!



75% Limited OFF/Every 12mths - Limited

Immediate Access to All Credit on Fire Academy's Courses - Past & Present, Preferred Member Pricing on Consultations, Coaching Services, Live Events, & More! One FREE Credit OR Budget Chat

Learn More!


Growing up in a single-parent household on the Westside of Chicago, I know what it means to struggle as a child, and to carry that struggle into adulthood. I have been where you are now. Bad credit sucks, but struggling sucks too! I know what it feels like to be broke and to feel broken, and I don’t want that for you. Rewrite your story and become financially successful. I am a Certified Credit Counselor, Financial Educator, Realtor, Speaker, and Author. I am passionate about financially empowering others with the tools, knowledge, and resources needed to get the financial independence they desire.