Leap Forward to the Credit You Deserve
Warm, honest, education-first credit repair led by Christina Magana — who's been exactly where you are. No setup fees. No false promises. Just a real path forward.
No payment required to get started. We will contact you to review your options.
Know Your Numbers Before You Start
Get your 3-bureau FICO® Credit Report. Try 7 days for just $1.
You're Not Alone
Bad Credit Touches Every Part of Life
If any of this sounds familiar, you're in the right place. Christina built Leap Forward Solutions for people exactly like you.
Denied for Loans & Cards
Every application feels like a door slamming shut — home, car, even a basic credit card.
Errors Dragging You Down
Nearly 1 in 3 credit reports contain errors that can unfairly tank your score.
Trapped by Past Mistakes
Old medical bills, late payments, or collections keep haunting you years later.
Wasted Time & Money
You've tried disputing yourself or paid companies that took your money and did nothing.
Confusing & Overwhelming
The credit system feels designed to keep you out — not help you understand it.
There IS a way forward.
Education-first, CROA-compliant credit repair that meets you where you are.
What We Review
Items We May Challenge on Your Report
We audit your full credit report line by line. If something is inaccurate, unverifiable, or outdated, we may challenge it — the right way, the legal way.
We do not guarantee the removal of any item. Results vary based on your unique credit file and the accuracy of the information reported.
Credit Repair Programs
Honest Pricing. No Setup Fees. Ever.
Choose the program that fits your situation. Every plan is CROA compliant — we only charge for work, not for signing up.
Leap Starter™
Simple credit issues, done right.
- 3-bureau dispute letters
- Up to 5 disputes per cycle
- Monthly credit report review
- Credit monitoring via MyScoreIQ
- Client portal access
- FREE access to Lily's Credit Academy
- No setup fees
Leap Forward Full Service™
Our most powerful individual plan.
- Everything in Leap Starter™ PLUS
- Up to 10 disputes per cycle
- Goodwill letters to creditors
- Debt validation letters
- Priority processing
- Dedicated advisor support
- FREE access to Lily's Credit Academy
- No setup fees
Leap Together™
Two credit files, one shared dream.
- Full service for both partners
- Two complete credit files managed
- Couples credit coaching session
- Joint financial goal planning
- Both partners get portal access
- FREE access to Lily's Credit Academy for both
- No setup fees
Leap Elite™
For the tough cases — we handle it all.
- Everything in Full Service PLUS
- Unlimited disputes
- Bankruptcy & judgment strategies
- Identity theft recovery support
- Cease & desist letters
- Advanced bureau escalation
- FREE access to Lily's Credit Academy
- No setup fees
Leap Home™
Fast-track your path to the front door.
- Score targeting to your loan type (FHA 580+, Conventional 620+, Best rates 740+)
- Strategic collections approach (paying the wrong one can hurt your mortgage — we know the difference)
- Debt-to-income ratio optimization
- Stricter credit utilization targeting
- Recent late payment priority disputes
- Public records & judgment resolution
- Direct access to our licensed lending & real estate partners — a full team in your corner
- Coordinated timeline from credit repair to loan application to keys in hand
- FREE access to Lily's Credit Academy
- No setup fees
Leap Launch — Pay-Per-Dispute Letters
Prefer the DIY route? Get professionally prepared dispute letters sent for you.
Meet the Founder
Christina Magana Has Been Where You Are
"I was ripped off by a credit repair company. They took my money, made promises they couldn't keep, and left me worse off than when I started."
"That experience lit a fire in me. I got certified, learned the laws that protect consumers, and built Leap Forward Solutions to be the company I wished had existed when I was struggling."
I won't promise you a magic number. I will promise you honesty, education, and a real plan — whether your goal is a first home, a business, or simply peace of mind."
Christina Magana
Board Certified Credit Consultant
Board Certified Credit Consultant
Credit Consultants Association (CCA)
State Certified Peer Wellness Specialist
Oregon Health Authority
Oregon Traditional Health Worker (THW) Registry
State Certified Peer Wellness Specialist — Oregon Health Authority
We Know. We've Been There Too.
We know some of you have been here before — promised miracles, charged upfront fees, and left worse off than when you started. Some of you are scared of credit. Some don't even know where to begin.
That's exactly why Leap Forward Solutions exists.
We go at YOUR pace, explain every single step, and we don't stop until we find a way forward.
No fear. No judgment. Just real help from someone who has been right where you are.
Transparency & Trust
Verify Our Credentials
Don't just take our word for it. Look us up directly with the state and our certifying bodies.
Verify Oregon Business Registration
Oregon Secretary of State
Verify nowVerify THW Certification
Oregon Health Authority Registry
Verify nowVerify CCA Board Certification
Credit Consultants Association
Verify nowSearch Christina Magana / Leap Forward Solutions to verify our credentials directly with the state.
Beyond the Storm Network
A Portion of Every Sale Supports DV Survivors
Beyond the Storm Network is Christina's nonprofit dedicated to helping domestic violence survivors rebuild their lives — including their credit, their confidence, and their independence. When you work with Leap Forward Solutions, you're part of that mission.
Safe & Confidential
Survivors get discreet support with no judgment.
Community & Resources
Connection to housing, legal, and financial help.
A Fresh Start
Credit rebuilding as a foundation for independence.
Free Education Platform
Lily's Credit Academy
"What They Never Taught Us" — a free curriculum designed to demystify credit. Because real change starts with understanding.
What You'll Learn
- Understanding your credit report
- How scores are really calculated
- Disputing errors the right way
- Building credit from scratch
- Protecting yourself from identity theft
- Credit & your first home
- Business credit fundamentals
- Talking to creditors & collectors
100% Free. Always.
Lily's Credit Academy is our gift to the community. No upsell, no catch — just the credit education most of us never received in school.
No payment required — we'll contact you with access details.
100% Free · No Credit Card
Join Lily's Credit Academy — FREE
Not ready to commit? Start FREE. Lily's Credit Academy is our free educational community where you'll learn exactly what the credit industry never wanted you to know. No catch. No credit card. Just real education.
Join FREE on SkoolHosted on Skool — a dedicated community platform for learners like you.
Everyone Deserves a Chance
Low Income? You Belong Here Too.
We offer discounted programs for low-income individuals and families. Don't let cost keep you from getting help — reach out and we'll find a way.
Low-Income Individuals
Discounted rates available — just ask.
First-Time Homebuyers
Pathway to Homeownership guidance included.
Section 8 Recipients
Welcomed with respect, no judgment.
Small Business Owners
Business credit repair & building support.
Discounts are evaluated case by case with care and confidentiality. Contact us to discuss your situation — we've helped people in tough spots before.
Real People, Real Progress
Stories From Our Community
These are placeholder stories — your journey could be next.
"Christina walked me through every step. I went from feeling hopeless to holding the keys to my first home. She treated me like family."
Maria R.
First-time homebuyer
"The business credit program helped me separate my personal credit from my business. I finally got approved for the funding I needed."
James T.
Small business owner
"Beyond the Storm didn't just fix my credit — they helped me feel safe and start over. Christina understands what it's really like."
Aaliyah B.
DV survivor
CROA
Compliant
$0
Setup Fees
100%
Education-First
Questions Answered
Frequently Asked Questions
Straight answers, no fine print tricks.
Take the First Leap — It's Free
Book your free, no-pressure consultation with Christina. We'll review your situation and map out a real plan — no obligation, no judgment.
Book My Free ConsultationPro tip: To get the most out of your consultation, having your 3-bureau credit report available for Christina to review with you is highly advisable — so you know exactly where you stand and we can build your plan from day one.
Free Credit Consultation
Tell us where you are. We'll help you leap forward.
CROA compliant · No setup fees · Your information stays private