Institutional Financial Solutions forITIN Holders & Families
Engineered by Founder & CEO Chekelah Phelps, HLP Credit Solutions provides IRS-compliant credit building, 3-bureau dispute engineering, and mortgage readiness for individuals with Individual Taxpayer Identification Numbers (ITINs).
Chekelah Phelps
ITIN Program Strategist & CEO
Servicio Disponible en Español e Inglés
How ITIN Credit Architecture Works
1. File Creation & Seeding
Establishing initial reporting tradelines linked to your verified IRS ITIN without merging with fraudulent or unassociated records.
2. 3-Bureau Legal Auditing
Auditing ITIN-associated reports across Experian, TransUnion, and Equifax to eliminate erroneous late marks or mixed files.
3. Portfolio Mortgage Alignment
Aligning your credit file to meet underwriting criteria for Non-QM and ITIN home loan programs with participating Texas lenders.
From Non-QM Inquiries to Keys in Hand
Our ITIN program transforms families who were told homeownership was impossible. Through structured tradeline cultivation and bilingual underwriting advocacy, we guide you to legitimate, fixed-rate portfolio mortgage approvals.