Your Credit Score Is Just a Number.Underwriters Buy Your Profile.
Average credit repair companies chase vanity scores. At HLP Credit Solutions Corporation, led by Chekelah Phelps, we dismantle toxic reporting, eliminate unverifiable accounts, and structure approval-grade credit profiles designed for institutional underwriters and mortgage approvals.
Chekelah Phelps
HLP Credit Solutions Corporation
Senior Financial Consultant & Program Strategist
Why 700+ Credit Scores Still Get Denied
Automated underwriting systems (Fannie Mae DU / Freddie Mac LP) look past credit scores to analyze profile depth, revolving debt composition, and derogatory anomalies.
Forensic 3-Bureau Audit
We audit TransUnion, Equifax, and Experian item-by-item against Metro 2 compliance rules, identifying unverifiable late payments, charge-offs, and predatory reporting.
Certified Legal Disputes
No generic dispute software. Every dispute package is customized, documented, and dispatched via certified mail with strict tracking directly to creditors and bureaus.
Mortgage & Funding Engineering
We structure positive tradelines, optimize revolving utilization below 7%, balance installment ratios, and draft Letter of Explanation (LOE) packages for underwriters.
Chekelah Phelps
Chamber of Commerce Ribbon Cutting · Mansfield HQ
Transforming Financial Destinies Across Texas and the Nation
As Founder & CEO of HLP Credit Solutions Corporation, Chekelah Phelps brings over three decades of professional experience across real estate, housing, and financial consulting fields. Headquartered in Mansfield, Texas, she acts as a prominent mortgage-readiness architect, having successfully assisted over 1,000 buyers in qualifying for mortgages and restructuring their financial profiles.
Known across Texas real estate circles as an expert “grant matcher,” Chekelah is the driving force behind the Financial Literacy Summit Series. Her programs have helped unlock more than $15 million in financial aid and down-payment grants—including the $15,000 Texas Homebuyer Grants—while navigating automated underwriting (DU/LP) and ITIN homebuyer frameworks.
Mansfield HQ Client Center
99 Regency Parkway, Suite 305, Mansfield, TX 76063
Direct Phone Support
817-435-4005 (M-F 9:00 AM – 5:00 PM CT)
Real Families. Real Closings. Clear Clearances.
From credit restoration to the closing table. See actual HLP clients celebrating approved mortgage loans and keys in hand.
The Traylor Family
Overcame derogatory inaccuracies and closed on their dream single-family home.
Official Title Closing
Underwriter approval secured with full Metro 2 certified dispute documentation.
First-Time Homebuyer
Signing closing documents alongside her daughter with Texas DPA grant support.
National Recognition
Awarded top partner honors by national credit monitoring and scoring leaders.
3-Bureau Credit Monitoring is Required Prior to Service
Before Chekelah and our underwriting team can audit your profile, draft Metro 2 legal challenges, or structure your mortgage readiness roadmap, you must obtain your active 3-Bureau credit report. This enables soft-pull Tri-Merge evaluation with zero score penalty.
Official HLP Intake Powered by MyFreeScoreNow
The 4 HLP Financial Ecosystem Portals
Every tool and community you need to clean your profile, master mortgage guidelines, and access funding.
HLP Credit Hub
Forensic disputes, Metro 2 audits, certified mail tracking, ITIN solutions, and negative item removal.
Mortgage Academy
8 interactive modules, LOE Generator, Texas DPA Grant Checker, and Loan Comparison Matrix.
Skool VIP Community
Direct networking, weekly mastermind coaching calls, live Q&A sessions with Chekelah, and resources.
Required Credit Report
Official 3-Bureau MyFreeScoreNow live credit monitoring feed required for onboarding & forensic underwriting audits.
Ready to Take Control of Your Financial Future?
Book your confidential credit consultation with Chekelah Phelps and the HLP team today. Let us build your approval-ready profile.