Privacy Policy
HLP Credit Solutions Corporation • Headquartered in Mansfield, Texas
Last Updated: October 2, 2026
HLP Credit Solutions Corporation (“HLP Credit Solutions,” “Company,” “we,” “us,” or “our”) is committed to safeguarding the non-public personal information (NPI) of our clients, homebuyer candidates, and website visitors. This Privacy Policy details how we collect, handle, store, protect, and process your financial information in strict compliance with the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and applicable Texas state privacy regulations.
1. Information We Collect
To provide credit profile audit, dispute representation, and mortgage underwriting readiness consulting, we collect non-public personal information including:
Client Identifying Information
- Full legal name, alias names, and contact details
- Residential address and historical address records
- Social Security Number (SSN) or ITIN (for tax compliance)
- Date of birth and government-issued photo ID verification
Credit & Underwriting Documentation
- 3-Bureau credit reports and credit monitoring credentials
- Tradeline balances, payment history, and collection notices
- Income statements, W-2s, and tax returns (for mortgage readiness)
- Letters of Explanation (LOE) and lender condition documents
2. How We Use Your Financial Information
Your information is utilized solely to conduct legitimate credit restoration and mortgage consulting services authorized under your written agreement:
- Conducting forensic audits across Equifax, Experian, and TransUnion records.
- Drafting and submitting factual, legal dispute challenges against inaccurate, unverified, or untimely reporting items.
- Structuring debt-to-income (DTI) calculations and identifying Texas down payment grant programs.
- Communicating case updates, bureau response notifications, and program milestones.
- Fulfilling legal, statutory, and record retention obligations under federal and Texas law.
3. Zero Data Sale Policy & Confidential Disclosures
HLP Credit Solutions Corporation NEVER sells, rents, monetizes, or trades client personal information or credit data to third-party marketers or lead brokers under any circumstances.
Information is disclosed strictly to: (i) Credit reporting agencies (Equifax, Experian, TransUnion) and data furnishers as authorized by your signed Limited Power of Attorney (LPOA); (ii) Secure PCI-DSS Level 1 payment processors; and (iii) Designated third-party mortgage lenders, title companies, or grant administrators when explicitly requested and authorized by you in writing.
4. Bank-Grade Security & Encryption Standards
We implement comprehensive physical, electronic, and procedural safeguards meeting or exceeding financial industry standards:
AES-256 & TLS 1.3
All client data is encrypted in transit and at rest.
Role-Based & MFA
Multi-factor authentication required for all case managers.
Immutable Logs
Complete audit trails on all case file access events.
5. Privacy Officer & Corporate Address
HLP Credit Solutions Corporation
Attn: Chief Privacy Officer
99 Regency Parkway, Suite 305, Mansfield, Texas 76063
Phone: (817) 435-4005
Email: info@hlpcredit.com