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For People Who Need Credit Help

Bad credit doesn't define you.
Let's fix it together.

Real credit repair for real people — homebuyers, business owners rebuilding after hard times, anyone who's been told "no" too many times. We review your reports with you, explain everything in plain English, and fight for every point.

✓ Basic credit repair program: $129/month · No setup fees · Cancel anytime
Book Your Free Consultation → See How We Help
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90-Day Money-Back Guarantee. If you follow the plan and see zero results in 90 days, you get every dollar back. That's our promise.
Lily and Ruckus — your credit repair mascots
★★★★★ Loved by clients in all 50 states
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No false promises — ever
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Education before enrollment
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FCRA · FDCPA · CROA compliant
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Real humans review every letter
What We Do

Credit repair that puts you first

Every service starts with teaching you what's happening and why. You'll always understand what we're doing, what it costs, and what to expect — before anything begins.

Most Popular
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Basic Credit Repair Program

We review your reports with you, explain everything in plain English, build your case, and manage every dispute letter from start to finish. A real specialist approves every letter before it goes out. Built for homebuyers, business owners seeking funding, and anyone ready for a fresh start.

Basic program: $129/mo · No setup fees · Cancel anytime
Book Free Consultation →
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DIY Dispute Software

Prefer to do it yourself? Our guided software walks you through every dispute letter step by step. Upload your report, review each letter, and mail with confidence. Perfect if full-service isn't in the budget right now.

$57/mo · Do it yourself, with guidance
Try the DIY Software →
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Student Loan IDR Assistance

Struggling with federal student loan payments? Most borrowers qualify for income-driven repayment — but the paperwork stops many people. We walk you through the application and recertification, step by step.

Application assistance
Get Help →
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ChexSystems & Banking Access

Blocked from opening a bank account? We teach you what ChexSystems and Early Warning Services reports are, help you get yours, and dispute inaccurate reporting so you can get back to normal banking.

Banking access disputes
Get Help →
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Homeownership Readiness

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're ready.

3–12 month preparation plans
Start Planning →
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Free Credit Education

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.

Free forever · No catch
Join Free →

We also offer additional packages that aren't listed here. Every situation is different. Book a free consultation and we'll help you find the package that fits yours.

Our Promise To You

The 90-Day Money-Back Guarantee

Zero results? Zero cost.

If you follow your plan and see no improvement at all — no deletions, no corrections, no score movement — in your first 90 days, we refund every dollar you paid. No hassle, no fine print games.

  • Follow the plan we build together for your file
  • Keep your account current — stay on your basic credit repair program at $129/mo
  • Keep credit monitoring active so we can track changes
  • Give it 90 days — real disputes take real time

Applies to the basic credit repair program. We'll never promise a specific score increase or guarantee deletions — anyone who does isn't being honest with you. What we promise is real work, real letters, and real accountability.

Start With a Free Consultation →
Simple Process

How it works

Three steps. No confusion, no pressure, no surprises.

1

Book a Free Consultation

Tell us what's going on. We'll review your situation, answer your questions, and give you honest advice — even if that advice is "you don't need us." No charge, no obligation.

2

Get Your Custom Plan

We pull your reports, go through them line by line with you, and build a dispute strategy for your specific file. You'll understand every item we're challenging and why.

3

Watch It Improve

We send the letters, track every response, and keep you updated. A real specialist reviews your file every round. You focus on your life — we handle the paperwork.

Book Your Free Consultation →
Why We Exist

Founded on a simple belief:
everyone deserves a fair shot

Lily and Ruckus

Meet Christina Magana

Christina Magana founded Leap Forward Solutions after experiencing firsthand how credit barriers derail dreams. A board-certified credit consultant, she built the company she wished had existed when she needed it most.

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're here for.

  • Board-Certified Credit Consultant
  • FCRA Compliance Trained
  • FDCPA Compliance Trained
  • CROA Compliance Trained
  • Fraud Examination Training
  • 9 Professional Credentials

Our promise: We will teach you before we sell you anything. We will never guarantee a score, a deletion, or a timeline — anyone who does isn't being honest with you.

Real People, Real Results

What our clients say

Real reviews from real clients. 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 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."

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. You're not just another number — she makes sure you're supported 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. Christina is as discreet and professional as anybody you'll ever meet and we trust her completely."

Phil K. — via Google
⭐ Read all reviews on Google
More Ways We Help

For businesses & aspiring pros

Our consumer credit repair is the heart of what we do. But we've also built tools and training for the people behind the scenes.

Run a Credit Repair Business?

Leap Vault is the software platform we built to run our own company — dispute letter automation, client portal, follow-ups, and compliance built in. Now available for other credit repair businesses who want to do it right.

  • Guided dispute letter workflows
  • Full client portal & messaging
  • Automated follow-ups & tracking
  • FCRA / FDCPA / CROA compliance built in
Explore Leap Vault →

Want to Learn Credit Repair?

Whether you're starting your own credit repair business or struggling to make your current one work, we teach what actually matters — the laws, the letters, the client care, and the business side nobody talks about.

  • Learn the real dispute process, step by step
  • Understand FCRA, FDCPA & CROA compliance
  • Help for CROs who are stuck or struggling
  • Training from someone who does this every day
Ask About Training →
Honest Answers

Questions people ask us

Straight answers. No sales pitch.

How much does it cost?
Our basic credit repair program is $129/month — no setup fees, no hidden charges, cancel anytime. The DIY dispute software is $57/month. Your free consultation costs nothing. We also offer additional packages that are not listed on this page, so if none of these sound like your situation, just ask us during your free consultation.
Can you guarantee my score will go up or items will be removed?
No — and be careful with anyone who does. No honest company can guarantee outcomes because bureaus and furnishers make the final decisions. What we promise: thorough file review, plain-English explanations, and challenging what's inaccurate under the law. And our 90-day money-back guarantee means if you see zero results, you pay zero.
How does the 90-day guarantee work?
Follow your custom plan, keep your account current, and keep credit monitoring active. If after 90 days there's been no improvement at all — no deletions, no corrections, no score movement — we refund every dollar you paid in that period. Basic credit repair program only.
Do I have to pay before you do any work?
No. We never charge upfront — that's the law, and it's also just right. Your consultation is free, and monthly billing starts only after you enroll. You can cancel anytime.
What's the difference between the basic credit repair program and the DIY software?
The basic credit repair program ($129/mo) means we handle the work in that program — review, strategy, letters, follow-up — with a real specialist approving every letter. The DIY dispute software ($57/mo) gives you guided software to do it yourself step by step. Choose based on how much hands-on help you want.
I was told my case is too complicated. Can you still help?
Complicated cases are our specialty — identity theft, financial abuse recovery, ChexSystems blocks, mixed files. Book a free consultation and we'll tell you honestly what's possible: 503-894-6121.
Can I just learn for free without becoming a client?
Absolutely — that's the point. Our education community is free forever. Learn everything you can; hire us only if you want help applying it.
How do I start?
Book a free consultation online, or call 503-894-6121 and talk to a human. Either way, you'll learn something useful in the first five minutes.

Your credit comeback starts with a conversation

Book a free consultation. We'll review your situation, answer your questions honestly, and tell you exactly what we'd do — no pressure, no obligation.

Book Your Free Consultation → 📞 503-894-6121
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