Terms of Service

These Terms constitute a legally binding agreement between you (“Client,” “User,” “you,” or “your”) and HLP Credit Solutions Corporation (“HLP Credit Solutions,” “Company,” “we,” “us,” or “our”), a Texas corporation headquartered at 99 Regency Parkway, Suite 305, Mansfield, Texas 76063, founded and led by Chief Executive Officer Chekelah Phelps.

By utilizing our services or executing a Client Services Agreement, you represent and warrant that you are at least 18 years of age, legally capable of entering into binding contracts, a legal resident or authorized taxpayer of the United States, and that all information, identification, and credit documentation provided to HLP Credit Solutions is true, accurate, and complete.

HLP Credit Solutions Corporation is a professional financial consulting and credit profile restoration firm specializing in credit law compliance, Metro 2 dispute strategy, and mortgage underwriting readiness. Our professional services include, but are not limited to:

HLP Credit Solutions Corporation conducts all credit restoration operations in rigorous compliance with the federal Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), the Telemarketing Sales Rule (16 C.F.R. Part 310), and Chapter 393 of the Texas Finance Code.

To enable our credit specialists to conduct ongoing 3-Bureau forensic audits, identify reporting discrepancies, track bureau dispute responses, and monitor mortgage readiness scores, all active HLP Credit Solutions clients are required to obtain and maintain an active 3-Bureau credit monitoring subscription through our authorized credit reporting provider (MyFreeScoreNow) throughout the duration of their active program.

Clients pay their credit monitoring subscription fee directly to the third-party provider (MyFreeScoreNow). HLP Credit Solutions Corporation is not a credit bureau and does not own or operate third-party credit monitoring servers. Cancellation of your credit monitoring subscription will result in suspension of dispute tracking and mortgage audit services.

HLP Credit Solutions Corporation offers customized credit restoration, ITIN structuring, business credit building, and mortgage readiness programs. All consulting fees and service structures are governed by the specific written Client Services Agreement executed between the Client and HLP Credit Solutions Corporation prior to the commencement of any work.

Successful credit profile engineering and mortgage readiness requires active client cooperation. Clients agree to:

• Maintain an active MyFreeScoreNow 3-Bureau monitoring account throughout the service period without changing login credentials without notifying HLP staff.
• Forward all correspondence, dispute result letters, and credit bureau communications received from Equifax, Experian, TransUnion, or collection agencies within 48 hours of receipt.
• Refrain from applying for new consumer credit, retail store cards, auto loans, or incurring new collections/late payments without prior consultation with your assigned HLP specialist.
• Keep all existing open revolving credit card balances below 10%–30% of their credit limit to support positive score velocity.

Credit scores and mortgage underwriting eligibility are determined by independent third-party credit repositories (Equifax, Experian, TransUnion), automated underwriting systems (Fannie Mae Desktop Underwriter / Freddie Mac Loan Product Advisor), and individual mortgage lenders. HLP Credit Solutions Corporation does not guarantee specific point increases, deletion of accurate data, loan approval, or exact funding amounts.

HLP Credit Solutions Corporation is a financial consulting and credit services organization, not a direct mortgage lender, bank, or FDIC depository. All mortgage loan approvals and down payment assistance grants are subject to formal lender application, income verification, and final underwriter sign-off.

Any controversy, claim, or dispute arising out of or relating to these Terms, the website, or services provided by HLP Credit Solutions Corporation shall be resolved through binding confidential arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

The place of arbitration shall be Tarrant County, Texas. You and HLP Credit Solutions Corporation agree that all claims must be brought in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

These Terms and any related agreements shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions, and applicable federal statutes including the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and Gramm-Leach-Bliley Act (GLBA).