Legal Disclaimers & Disclosures

HLP Credit Solutions Corporation conducts all credit restoration operations in compliance with the federal Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and Chapter 393 of the Texas Finance Code.

• You have the right to dispute inaccurate information in your credit report directly with the credit bureaus (Equifax, Experian, TransUnion) at no charge.
• No credit repair organization can require advance payment before services are fully performed.
• You have the right to receive a written contract detailing all services to be performed, the time frame, the total cost, and statutory disclosures.
• No credit repair organization can legally remove accurate, timely, and verifiable negative information from your credit report.

To cancel any service: Email info@hlpcredit.com, call (817) 435-4005, or mail written notice to: HLP Credit Solutions Corporation, 99 Regency Parkway, Suite 305, Mansfield, Texas 76063.

HLP Credit Solutions Corporation provides financial education and credit building consulting to individuals holding Individual Taxpayer Identification Numbers (ITINs) in full compliance with IRS regulations.

• No Work Authorization: An ITIN is issued solely for federal tax processing purposes and does not grant legal work authorization in the United States.
• No Immigration Status Change: An ITIN does not confer or alter immigration status. HLP Credit Solutions Corporation does not provide immigration legal advice.
• Third-Party Lender Acceptance: Not all banks or mortgage lenders accept ITINs for loan applications. Loan eligibility is subject to individual lender underwriting guidelines.

HLP Credit Solutions Corporation is a financial consulting and credit profile engineering organization, not a direct mortgage lender, bank, or FDIC-insured depository institution.

• All mortgage loan applications, pre-approvals, and down payment assistance grants (including Texas Homebuyer Grants) are underwritten and approved exclusively by licensed third-party mortgage lenders and state housing agencies.
• HLP Credit Solutions Corporation does not guarantee mortgage approval, specific interest rates, or grant disbursements. Final approvals remain subject to verification of income, debt-to-income limits, and lender underwriting criteria.

Not Legal or Tax Advice: Information provided on this website, during educational seminars, or within consulting consultations is educational and administrative in nature and should not be construed as legal advice or formal tax advice. Consult a licensed attorney or certified public accountant for legal or tax counsel.

No Point or Outcome Guarantees: Credit score improvements vary based on individual credit histories, payment behaviors, debt utilization, and bureau responsiveness. HLP Credit Solutions Corporation does not guarantee specific point increases.