Most people were never taught how credit really works — how scores are built, what your rights are, or what to do when your report is wrong. We start there: with free education. Then, if you want help, you will already know exactly what you are choosing and why.
Free to learn. No pressure, no gimmicks — just honest answers about your credit.
Before you pay anyone for help — us included — learn the foundations. These three lessons change how people see their credit forever.
Reports are confusing on purpose. Learn what each section means, where errors hide, and the order to read it in — personal information first, accounts second, inquiries last.
Free lesson in our 7-day email series — take the quiz to begin.
Under the Fair Credit Reporting Act, information on your report must be accurate — and you have the right to challenge what is not. Learn the process, the timelines, and what makes a dispute strong.
Taught step by step in Lily's Credit Academy — free to join.
Utilization, inquiries, account mix, the real cost of a low score on a mortgage — the practical money knowledge schools skip. Short lessons, plain English, zero jargon.
New lessons weekly in the community and on our social channels.
Every service below starts with teaching you what is happening and why. You will always understand what we are doing, what it costs, and what to expect — before anything begins.
We review your reports with you, explain everything we find in plain English, build your case, and manage every dispute letter from start to finish. You learn your file as we work it — no black box, ever.
Best when: your reports feel overwhelming and you want experienced hands.
Prefer to handle it yourself? Our guided do-it-yourself program ($57/month) gives you the dispute letter templates, the step-by-step process, and letter mailing — while teaching you the skills for life.
Best when: you want to learn the process and stay in the driver's seat.
Struggling with federal student loan payments? Most borrowers qualify for an income-driven repayment (IDR) plan that sets payments from income — but the paperwork stops many people. We walk you through the application, the recertification, and what to watch for, step by step.
Best when: your loan payment does not fit your life and you need a clear path.
Blocked from opening a bank account because of ChexSystems or Early Warning Services? We teach you what these reports are, help you get yours, and dispute inaccurate reporting so you can get back to normal banking.
Best when: banks keep saying no and nobody will explain why.
Dreaming of a home? We teach you what mortgage lenders actually look at, help you prepare your credit step by step, and partner with lending professionals when you are ready. One mission: making homeownership real.
Best when: you are planning 3–12 months ahead and want a real plan.
Lily's Credit Academy is our free learning community: credit basics, live Q&A, and people on the same journey. Because everyone deserves better credit — whether or not you ever become a client.
Best when: you want to learn first and decide later. Free forever.
Not sure which fits? That is exactly what the free quiz and a friendly call are for.
Call (971) 715-5065Real reviews from real clients on our Google Business listing. We read every one — they keep us honest and keep us going.
"Christina works incredibly hard for her business and for every one of her clients. She does amazing work and truly cares about helping people succeed. She doesn't just tell you what to do and leave you on your own — she walks with you through the entire process and fights to help make your credit better. By following the steps in her program and applying everything she has taught me, my life has completely changed."
— Alisha C.via Google"I can't recommend her enough! She worked on my credit quickly and efficiently, delivering amazing results in such a short amount of time. What really stands out is how much she genuinely cares about each and every one of her clients. You're not just another number to her — she takes the time to make sure you're supported and understood every step of the way."
— Amanda M.via Google"My wife and I went from poor to good in under 45 days and it continues to improve steadily. It's hard to trust anyone with all your personal information. I assure anyone reading this that Christina is as discreet and professional as anybody you'll ever meet and we trust her completely."
— Phil K.via GoogleChristina Magana founded Leap Forward Solutions after experiencing firsthand how credit barriers derail dreams. A board-certified credit consultant holding nine recognized credentials across credit consulting, compliance, and fraud examination, she built the company she wished had existed when she needed it.
That means education before enrollment. Plain English before paperwork. And the cases other companies turn away — complicated files, domestic violence survivors rebuilding financial lives, ChexSystems blocks — are exactly the people we are here for.
Christina also founded a nonprofit supporting domestic violence survivors, because financial recovery and personal safety go hand in hand.
We will teach you before we sell you anything. We will never guarantee a score, a deletion, or a timeline — anyone who does is not being honest with you. We will tell you plainly what we see in your file, what we can do, what it costs, and what to expect.
If you do not need us, we will tell you that too — and point you to the free resources.
Our free community for learning credit the way it should have been taught: plain English, real answers, live Q&A with Christina, and people who get it. Come learn — stay as long as you like.
We pay $50 for every person you refer who becomes a client — no cap. Just have them mention your name when they reach out. Helping someone you care about should come with a thank-you.
No — and be careful with anyone who does. No honest company can guarantee outcomes, because bureaus and furnishers make the final decisions. What we can promise: we will review your file thoroughly, explain everything we find, challenge what is inaccurate or unverifiable under the law, and keep you informed at every step.
No. We do the work first and bill afterward — you never pay upfront for services. The DIY program is a simple $57/month subscription you can cancel anytime, plus $2 per mailed letter.
For federal student loans, IDR plans set your monthly payment based on your income and family size rather than your loan balance — sometimes much lower than the standard payment. You must apply and recertify yearly. Our IDR application assistance walks you through the paperwork step by step.
Complicated cases are our specialty — identity theft, financial abuse, ChexSystems blocks, child support reporting issues. Start with a free conversation and we will tell you honestly what is possible: (971) 715-5065.
Absolutely — that is the point. The quiz, the 7-day email lessons, and Lily's Credit Academy community are all free. Learn everything you can; hire us only if you want help applying it.
Two easy ways: take the free 60-second quiz (it teaches as you go), or call (971) 715-5065 and talk to a human. Either way, you will learn something useful in the first five minutes.
Take the free quiz, join the free community, or just call and ask us anything. No pressure — that is a promise.