Chekelah Phelps
Founder & Chief Executive Officer · HLP Credit Solutions Corporation
Certified Credit Law Educator • Mortgage Readiness Architect • Financial Inclusion Advocate • Keynote Speaker
A Mission to Transform Credit into Generational Wealth
Chekelah Phelps is an acclaimed Texas financial strategist, credit restoration educator, and business architect based in Mansfield, Texas. As the Founder and Chief Executive Officer of HLP Credit Solutions Corporation, she has spent over a decade dismantling the systemic barriers that prevent everyday families, immigrants, and entrepreneurs from accessing legitimate capital and owning real estate.
Armed with exhaustive expertise in the Fair Credit Reporting Act (15 U.S.C. § 1681), the Fair Debt Collection Practices Act (FDCPA), and the Metro 2 Electronic Credit Reporting Format, Chekelah bridges the technical divide between damaged consumer credit files and strict mortgage underwriting algorithms.
She is the visionary creator of the annual Financial Literacy Summit Series in Mansfield, Texas, the Editor-in-Chief of LEGACY & HOME Magazine, and an official educational partner with municipal leadership across North Texas, including the City of Arlington Mayor’s Black Advisory Council.
Featured Keynote & Workshop Topics
Available for summits, corporate conferences, real estate panels, and broadcast media appearances.
The Texas Homebuyer Blueprint
Navigating underwriting guidelines, VantageScore 4.0 trended data, and qualifying for up to $15K in down payment assistance grants.
Metro 2 & Consumer Credit Law
How credit scoring algorithms calculate risk, how to legally remove collections under the FCRA, and avoiding common dispute pitfalls.
Building $100K in Business Credit
The step-by-step Tier 1 to Tier 4 vendor framework for Texas entrepreneurs to obtain corporate funding without personal guarantees.
ITIN Wealth & Homeownership
Empowering immigrant and ITIN-holder families to build credit, access non-conforming mortgages, and establish real estate wealth.
VantageScore 4.0 & FICO 10T
A technical breakdown of the FHFA mandatory credit scoring changes and how 24-month trended data affects loan pre-approvals.
Generational Legacy Protection
Preserving family assets, advance emergency planning, and ensuring that real estate purchases translate into lasting multi-generational wealth.
Book Chekelah Phelps for Your Next Event or Interview
For podcast guest appearances, television contributor bookings, conference keynotes, or executive consultations, contact our executive office.