Transparent Institutional Architecture

Custom Plans for Serious Borrowers

Choose the level of forensic audit, certified dispute engineering, and mortgage acceleration that fits your financial goals.

Step 1: Mandatory Pre-Service Requirement

Pull Your 3-Bureau Credit Monitoring Report First

All client engagements require an active 3-bureau report feed prior to beginning audit or dispute drafting. Soft pull with 0 impact to scores.

Get 3-Bureau Report Now
Phase 1 Diagnostic

Forensic Audit & Strategy

Complete 3-bureau forensic analysis and personalized underwriter readiness roadmap.

Full 3-Bureau Report Analysis (TU, EX, EQ)
Metro 2 Compliance Error Identification
Debt-to-Income (DTI) & Tradeline Assessment
Personalized Underwriter Roadmap
Educational Resource Suite
Request Audit
Recommended Choice
Most Popular

Active Profile Architecture

Full certified-mail dispute campaigns and tradeline structuring for approvals.

All 3-Bureau Legal Dispute Campaigns
Creditor Direct Certified Mail Filings
Unlimited Unverifiable Derogatory Challenges
24/7 Encrypted Client Portal Access
Revolving Utilization & Tradeline Structuring
Monthly 3-Bureau Score Tracking
Enroll in Program
Full-Service Architecture

Executive Mortgage Accelerator

Comprehensive credit restoration plus dedicated mortgage readiness & LOE generation.

Everything in Active Profile Architecture
Underwriter Letter of Explanation (LOE) Wizard
Texas Down Payment Assistance (DPA) Matching
Rapid Rescore & Tradeline Engineering
Priority Senior Strategist Support
Chekelah Phelps Masterclass VIP Access
Apply for Accelerator
Chekelah Phelps, Founder & CEO

“We don't just sell packages. We build tailored underwriting strategies. Every borrower deserves a clear, legal, and verified roadmap to mortgage approval and financial independence.”

— Chekelah Phelps, Founder & CEO, HLP Credit Solutions Corporation

Frequently Asked Questions

Everything You Need to Know