DFW · Est. 2020 · Chamber-Recognized

Credit is not a score.
It is leverage.

HLP Credit Solutions engineers wealth-grade credit strategy for families ready to own real estate and founders ready to scale. Metro 2 dispute methodology, mortgage-underwriter fluency, and homeowner education — all delivered under the standard Chekelah Phelps built into North Texas.

Book a Consultation → Review the Strategy
Chekelah Phelps · Founder of HLP Credit Solutions
FOUNDER · CEO
Chekelah Phelps
DFW Homebuyer Summit Organizer
FOUNDED
January 2020
Mansfield · Texas
RECOGNIZED BY
FreeScoreNow
Industry Star Award
CHAMBERS
Mansfield · Urban
Dual accredited member
COMPLIANCE
FCRA · Metro 2
CROA-compliant
ALLIANCES
Realtors · Lenders · Title
D.R. Horton · BH Title
The HLP Doctrine

Three disciplines.
One outcome.

Credit repair sells removals. Credit strategy engineers approvals. Our clients don't just watch scores climb — they walk into title companies with a folder, a lender, and a closing date.

01 · RESTORATION

Metro 2 Dispute Engineering

Every dispute cites the bureau's own compliance format. We don't ask for goodwill — we demand accuracy under FCRA Section 611 and 623, and we document every response for the record.

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02 · READINESS

Mortgage Readiness Architecture

Utilization staging, tradeline structuring, debt-to-income choreography — timed to your lender's overlay so you close at the rate you were promised, not the rate you were left with.

Explore readiness →
03 · LITERACY

Financial Sovereignty Education

The DFW Homebuyer Summit, private workshops, and one-on-one strategy sessions — because a family that understands the system never needs to fear it again.

Explore literacy →
Chekelah with the Traylor family at their D.R. Horton closing
SOLD · D.R. HORTON
A Word from the Founder

I built HLP because too many families were told their dreams were disqualified by a number they didn't design and didn't understand. Credit is a system. Systems can be worked. Wealth follows the ones who learn how.

Chekelah
Chekelah Phelps
Founder & CEO · HLP Credit Solutions
Meet the founder →
The Engagements

Choose your altitude.

Every HLP engagement is a strategy, not a subscription. We accept clients only when we believe we can move them to their target within our disclosed window.

TIER I · FOUNDATION

Credit Restoration

For clients with 3+ derogatory items, collections, charge-offs, or inaccuracies blocking their credit profile.

  • Metro 2-formatted dispute cycles 01
  • 3-bureau tracking & escalation 02
  • FCRA Section 623 furnisher letters 03
  • Monthly strategy debriefs 04
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FreeScoreNow Industry Star Award recipient
RECIPIENT
FreeScoreNow Industry Star
TIER II · READINESS

Homebuyer Readiness

For clients within 6–12 months of closing. Every move is engineered against the lender's overlay, not a generic score band.

  • Lender-matched credit staging 01
  • Utilization timing to underwriting 02
  • Tri-merge score simulation 03
  • Realtor / lender warm handoff 04
View engagement →
Client close at BH Title Agency
CLIENT CLOSE
Investment Purchase · BH Title
TIER III · LEGACY

Financial Literacy & Advocacy

Group education for organizations, congregations, and communities. The DFW Homebuyer Summit is our flagship annual gathering.

  • DFW Homebuyer & Financial Literacy Summit 01
  • Corporate & church workshops 02
  • Keynote & panel appearances 03
  • Bilingual family curriculum 04
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Chekelah as SMB Vegas Edition featured speaker
FEATURED SPEAKER
SMB · Las Vegas Edition
By the Numbers

Outcomes over optics.

+127
Avg score lift · 6-mo
94%
Client mortgage-close rate
3×
Bureau accuracy in dispute cycle
2020.
Founded in Mansfield, TX
Client Testimony
Chekelah didn't just repair my credit — she taught me how to keep it. Six months later I closed on my first home. The framing didn't just change my score. It changed how I move.
C. Traylor · New Homeowner
Closed with D.R. Horton · 2024
See all client wins →
The Journal

Field notes from the work.

Long-form essays on Metro 2 mechanics, DFW housing dynamics, and the psychology of credit sovereignty. Written by Chekelah. Backed by the file.

CREDIT STRATEGY · 10 MIN

The Sovereign Credit Framework

A five-pillar architecture for building credit that lenders can't dismiss and inflation can't erode.

Read essay →
HOMEBUYER · COMING

Reading the DFW Housing Correction

What the 2026 lender overlays are actually signaling — and what buyers should do about it before spring.

LITERACY · COMING

Teaching Children the Language of Credit

A parent's playbook for wiring financial literacy into a household before the world writes the story for them.

Enter the journal →
Book a Consultation

Own the process.
Then own the house.

A 45-minute strategy session with Chekelah's team. We'll review your reports, map the highest-leverage moves, and tell you honestly whether we can help — or who else in DFW can.

Book a Consultation → Or call directly