Empowering Families ThroughMortgage Readiness & Credit Architecture
Founded by Chekelah Phelps, HLP Credit Solutions Corporation is a premier credit enhancement and mortgage-readiness authority based in Mansfield, Texas. With over three decades in housing, finance, and real estate, Chekelah is dedicated to bridging the gap between credit roadblocks and sustainable homeownership.
Chekelah Phelps
Founder & CEO · Senior Financial Consultant
National Keynote Speaker & Mortgage Readiness Architect. Headquartered in Mansfield, Texas.
Active 3-Bureau Credit Monitoring is Required Before Service
To evaluate your file under Tri-Merge mortgage standards (Equifax Beacon 5.0, Experian/Fair Isaac v2, and TransUnion Classic 04) without triggering damaging hard inquiries, every prospective client must obtain an active 3-Bureau credit report prior to your audit or consultation.
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Professional Biography: Chekelah Phelps
Chekelah Phelps is a North Texas-based financial specialist, community educator, and the founder and CEO of HLP Credit Solutions Corporation. With over three decades of professional experience in the real estate, housing, and financial consulting fields, she has dedicated her career to helping families bridge the gap between financial roadblocks and sustainable homeownership.
🏢 Executive Leadership & Career Focus
As a veteran industry professional, Phelps acts as a prominent mortgage-readiness architect. Her consulting practice, headquartered in Mansfield, Texas, specializes in complex credit law, credit restoration strategies, and navigational frameworks for the modern home-buying process. Over the course of her extensive career, she has successfully assisted over 1,000 buyers in qualifying for mortgages and restructuring their financial portfolios.
🏡 Community Advocacy & Economic Impact
Phelps is the primary driving force behind the Financial Literacy Summit Series, an initiative designed to provide low-to-moderate-income families with actionable credit education and direct access to banking networks. Known in Texas real estate circles as an expert “grant matcher,” her programs have helped unlock more than $15 million in financial aid and down-payment grants—such as the $15,000 Texas Homebuyer Grants—for aspiring homeowners.
🤝 Strategic Alliances & Wealth Stability
Through her community homebuyer events, she collaborates with a wide network of industry partners, including title companies, real estate agents, and mortgage underwriters, to simplify path-to-purchase criteria for first-time buyers. Her work focuses on long-term wealth stabilization and teaching structural financial literacy across the state of Texas.
Educating, Inspiring, and Leading Nationwide
From national keynote stages and chamber summits to our Mansfield headquarters team, Chekelah Phelps drives measurable economic impact.
National Stage Presenter
Inspiring thousands of entrepreneurs and homebuyer candidates.
Urban Chamber Keynote
Advocating for community wealth building and minority homeownership.
HLP Solutions Team
Dedicated financial strategists and dispute coordinators.
SMB Panelist & Advisor
Structuring commercial and consumer credit pathways.
Why Profile Architecture Transcends Traditional Credit Repair
Metro 2 Compliance
We challenge inaccurate, misleading, or unverifiable reporting under the Fair Credit Reporting Act (FCRA) and strict Metro 2 electronic format specifications.
Underwriter Alignment
Automated underwriting systems evaluate debt utilization, tradeline seasoning, and payment consistency. We structure files for Fannie Mae DU and Freddie Mac LP.
Bilingual ITIN Integration
Empowering undocumented and non-SSN clients through customized ITIN credit generation and non-QM mortgage pathway navigation.
HLP Credit Solutions
99 Regency Parkway, Suite 305
Mansfield, TX 76063
817-435-4005
Monday – Friday: 9:00 AM – 5:00 PM Central Time