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All Event Participants Receive


  • Free access to your FICO® Score, the score used in over 90% of all lending decisions.
  • Insight into the two most influential score factors* with easy-to-understand, transparent explanations to help you understand your FICO® Score.
  • Free access to one-on-one credit and financial counseling provided and customized plans to help you meet your targeted financial goals.
  • The opportunity to develop an ongoing relationship with a non-profit financial counselor who can help you stay on your financial management plan.

Operation HOPE is a for-purpose organization working to disrupt poverty and empower inclusion for low and moderate-income youth and adults. Operation Hope is focused on financial dignity and inclusion. They equip young people and adults with the financial tools and education to secure a better future—coaching them through their personal aspirations and life’s challenges, and facilitating their journey to financial independence. Operation HOPE’s signature adult program, 700 Credit Score Communities, empower clients to take control of their finances, and in turn, transform their lives. Through workshops and one-on-one counseling, our financial counselors help clients create a budget, reduce and pay off debt, and clear errors from their credit reports. Seventy-two percent of clients see a FICO® Score increase; 25 percent achieve a 700+ FICO® Score after six months of participation.

Primary Counselors


Laura Garcia Villalpando

Laura joined Operation HOPE as a Financial Wellbeing Coach in 2018. Through hard work and perseverance, she was able to hold several positions within the financial industry, Bank branch manager, Personal Financial Banker, Senior Service Officer, Assistant Customer Service Manager and Teller giving her over 16 years of Financial experience. Her passion is to help and serve community members understand finances better and currently serves as Executive Board member to Aurora Community Connections, a local nonprofit she holds near and dear to her heart and she also leads a group of moms to live actively and prioritize their health. Hobbies include running, walking her dog Westy and leading her local No Excuse Mom group. 

Email: Laura.villalpando@operationhope.org
Youbookme link: https://hopeinsideusbankauroraco.youcanbook.me/


Magaly Marioni Arana

Magaly Marioni Arana has been a Financial Well Being Coach for Operation HOPE since January, 2018. Delivering Operation HOPE’s mission for financial dignity and inclusion to the low- and moderate-income communities has become her passion. Magaly’s background in the financial industry is an ideal foundation for my work. She started her career in 2013 as a Teller and held all the positions all the way to management. Magaly is currently an active board member for Bank On Denver where the goal is to ensure that low-to-moderate income communities have the opportunities, knowledge, and skills to access and successfully use financial products and services that can lead to asset building and long-term financial stability. Magaly is a single mom of a 3-year-old boy, who’s her joy and biggest motivation.

Email: 
Youbookme link: 


Felicia Adams

Felicia Adams is a Financial Wellbeing Coach with Operation HOPE. She has worked as a Financial Educator and Advocate for over 20 years. Her passion is to improve the quality of life for each client. Obliterating financial despair and struggle-teaching the fundamentals in money management. She encourages clients to dream with a plan and a 700+ credit score. Her ultimate goal is to provide wealth-building practices for individuals, families, and communities. Felicia is a native of Chicago, IL. She earned a Communications degree from DePaul University. Financial Educator and Trainer for Chicago Public Schools. She finds joy in empowering individuals to attain success in practical ways. 

Email: Felicia.adams@operationhope.org
Youbookme link: https://felicia-adams.youcanbook.me/


Ruth Lott McKinney

Ruth is responsible for the daily operation of the credit and money management program for HOPE Inside Regions Bank including facilitating all internal and external credit empowerment seminars and one-on-one counseling. She is also responsible for facilitating the teaching, education, and training of aspiring new and existing business owners, through HOPE’s Entrepreneurial Development Training programs and Small Business Workshops.

Ruth has previously served as a project manager, program coordinator and has over 14 years of educational and career coaching experience. Ruth has served on the boards and advisory councils of various community, educational, and nonprofit organizations and currently serves as Vice-Chairman (Chairman elect) of the Minority PUL Alliance (MPULA) for the State of Mississippi.

Ruth graduated from J. Z. George High School in North Carrollton, Mississippi Valley State University and The University of Mississippi.  She is a certified Global Career Development Facilitator (GCDF) and a graduate of the New Expectations for Women in Mississippi Leadership Success Skills program. 

Email: Ruth.McKinney@operationhope.org
Youbookme link:  https://hope1mbbcoach.youcanbook.me