Transforming Credit into
Generational Wealth.
Chekelah Phelps is Texas’s premier credit restoration strategist, mortgage-readiness architect, and community educator. Helping thousands of families delete negative items, unlock up to $15K in Texas homebuyer grants, and build 7-figure family legacies.
The HLP Growth & Financial Framework
Metro 2 Credit Repair
Factual legal challenges under the FCRA to remove inaccurate collections, late payments, charge-offs, and public records.
Texas Grant Matching
Navigating TSAHC ($15K), TDHCA, and municipal grant guidelines so buyers enter closing with zero out-of-pocket costs.
ITIN Wealth Pathways
Empowering ITIN holders to establish credit profiles, apply for portfolio loans, and buy real estate without a Social Security Number.
Corporate Business Credit
Building $50K–$250K in Tier 1 to Tier 4 vendor lines, fleet cards, and corporate credit without personal guarantees.
LEGACY & HOME Magazine
Published by HLP Credit Solutions and edited by Chekelah Phelps, LEGACY & HOME is distributed across 150+ Texas title companies, luxury brokerages, and online to 25,000+ motivated homebuyers and real estate leaders.
Featuring Mayor Jim Ross · The Arlington Housing Movement · The Credit Lab
Ready to Elevate Your Credit & Mortgage Readiness?
Take our 60-second Texas Grant Matcher test or schedule a direct consultation with Chekelah Phelps’s senior credit team.