HLP Credit Solutions • Partner Program Executive Overview
A Complete Turnkey System to Send to Mortgage Companies, Loan Officers, Builders & Real Estate Brokerages
THE CORE PROBLEM WE SOLVE FOR HOUSING PROFESSIONALS
Every month, builders, loan officers, and agents invest thousands of dollars generating homebuyers. When credit obstacles arise during pre-qualification or underwriting, that buyer typically disappears from the pipeline. HLP Credit Solutions provides an independent, structured credit-improvement and mortgage-readiness infrastructure. Instead of losing the buyer, you refer them to HLP Credit. We do the work to address legitimate credit issues, provide compliance-backed progress updates, and hand the buyer back to you for financing and closing.
Refer → Analyze → Plan → Address → Monitor → Return → Requalify.
$100 per eligible negative item addressed • $15 per eligible inquiry reviewed.
Strict separation between mortgage lending and credit servicing. Zero outcome guarantees.
The buyer is always returned directly to the originating loan officer and real estate agent.
Official Documentation & Presentation Files
Directly accessible, downloadable PDF manuals and reference collateral to email or present to partners.
Master Operating System & Partner Manual
Authored by Chekelah Phelps, Founder & CEO. Complete operational guidelines, compliance governance, builder outreach strategies, pricing schedules, and controlled legal templates.
FICO 10T, Classic FICO & Mortgage Scoring Guide
Technical breakdown of Classic FICO (Equifax Beacon 5.0, Experian/Fair Isaac v2, TransUnion Classic 04) vs. Trended Data FICO 10T models used in modern mortgage underwriting.
Don't Lose the Buyer. Build the Path Forward.
Printable one-page institutional handout for Builders, Mortgage Loan Officers, and Brokerages.
Credit challenges shouldn't terminate a home purchase.
HLP Credit Solutions provides consumers with an independent, structured, and legally compliant process for understanding and addressing legitimate credit-report inaccuracies. We prepare the buyer to return to you for loan qualification.
Introduce the credit-challenged buyer to HLP via our secure portal or custom QR link.
We conduct an itemized audit across all three bureaus and generate an individualized roadmap.
We assist with factual dispute resolution, utilization optimization, and authorized milestones.
The client is returned directly to you for formal re-underwriting, approval, and purchase.
Tailored Value for Every Housing Professional
Clear, quantifiable benefits designed for Builders, Mortgage Companies, Realtors, and Consumers.
🏗️ For Homebuilders
- Protects Customer Acquisition Cost (CAC): Recovers prospective lot/home sales that would otherwise be abandoned due to credit denials.
- Maintains Future Inventory Pipeline: Keeps prospects engaged and nurtured in your 60-to-180-day sales pipeline.
- Zero Operational Overhead: HLP manages consumer communications and credit workflows independently.
🏦 For Mortgage Companies & Loan Officers
- Preserves Borrower Loyalty: Borrowers are returned exclusively to the originating loan officer once pre-qualification criteria are met.
- Enforces Clear Regulatory Boundaries: Separates mortgage underwriting from credit analysis, eliminating liability and compliance hazards.
- Real-Time Pipeline Status: Automated milestone tracking shows you which prospects are active, in review, or ready for requalification.
🏡 For Real Estate Agents & Brokerages
- Converts Unqualified Leads: Turns "not right now" prospects into contracted buyers within 3 to 6 months.
- Strengthens Lender Collaboration: Creates a synchronized 3-way alignment between buyer, agent, and lender.
- Empowers First-Time Buyers: Provides individualized education on debt utilization, collection resolution, and credit habits.
👤 For Prospective Homebuyers
- Transparent Itemized Pricing: Pay only for legitimate work performed ($100/item, $15/inquiry) with no hidden subscriptions.
- Personalized Mortgage Action Plan: Clear, actionable roadmap built specifically around automated underwriting requirements.
- Dedicated Support & Advocacy: Legitimate FCRA-backed disputes against inaccurate, duplicate, and unverifiable reporting.
Approved Partner Communication Scripts
Ready-to-use verbal scripts for Loan Officers, Builder Sales Teams, and Outbound Business Development.
"Based on the credit report review, there are specific items that currently prevent us from issuing an approval under our automated underwriting criteria. However, that does not mean you cannot buy a home. We work with an independent credit-improvement organization called HLP Credit Solutions. They specialize in auditing credit reports and assisting consumers with legitimate inaccuracies and utilization action plans. Participation is completely voluntary and using them does not guarantee approval, but it gives you a clear path forward. If you'd like, I can submit your information to their team so they can review your profile and give you an individualized roadmap."
"Not being ready for financing today doesn't mean you should abandon your goal of building in this community. We provide our prospective buyers with access to HLP Credit Solutions, an independent specialist company that works with consumers on credit improvement and mortgage-readiness. They are separate from our sales office and separate from our preferred lender. Once you work through their process, our lender will perform a fresh lending evaluation so we can get your contract signed and construction underway."
"HLP Credit Solutions provides the credit-readiness infrastructure for the homebuying industry. When loan officers and builders encounter buyers who want to purchase but have credit-related hurdles, instead of losing that lead, we provide an independent, compliant pathway. The consumer voluntarily enrolls, receives a personalized action plan, addresses legitimate reporting errors at transparent itemized rates ($100 per item, $15 per inquiry), and is returned directly to the originating lender when ready. We don't underwrite loans; we build the bridge so you can close them."
Copy-and-Paste Partner Email Campaigns
Tested email templates for Loan Officers, Branch Managers, Builder Presidents, and Broker-Owners.
The 90-Day Controlled Pilot Program Framework
How enterprise builders and mortgage lenders can test HLP Credit with zero risk, zero upfront fees, and measurable ROI.
We do not ask major mortgage institutions or homebuilders to overhaul their entire operation. We propose a 90-Day Controlled Pilot in a single branch or community division to measure consumer engagement, referral velocity, and pipeline return.
Staff orientation, custom referral links/QR codes provisioned, and compliance disclosures approved.
Active referrals received, itemized audits delivered, and milestone reporting communicated.
Comprehensive audit of contact rates, enrollment percentage, buyer feedback, and pipeline ROI.
Closing & Settlement Payment Protocol
Compliant procedures for itemized service fees paid in connection with a residential closing.
PERMISSIBLE DISCLOSURE WORKFLOW
Where legally permissible, agreed upon in writing by the consumer, and approved by the lender and title company, completed credit-improvement fees may be paid through escrow at final settlement.
"HLP Credit - Credit Improvement / Credit Report Consulting Services"
- Services must be 100% completed and verified prior to invoicing.
- Itemized invoice reflecting actual completed line items ($100/neg, $15/inq) must accompany the settlement packet.
- HLP Credit never independently inserts, conceals, relabels, or inflates charges on settlement statements.
HLP CREDIT PARTNER REFERRAL FORM
Document Status: Business Template • Compliance Review Required Before Consumer Use
Referral Information
Consumer Information
Referral Category & Reason
HLP CREDIT CLIENT INTAKE FORM
Document Status: Business Template • Compliance Review Required Before Consumer Use
Personal Information
Homeownership Goal & Timeline
Mortgage, Builder & Realtor Team
CREDIT GOALS QUESTIONNAIRE
Document Status: Business Template • Compliance Review Required Before Consumer Use
Primary Objectives (Check all that apply):
HLP CREDIT INITIAL CREDIT ANALYSIS WORKSHEET
Document Status: Business Template • Compliance Review Required Before Consumer Use
Account Review Matrix
| # | Furnisher | Account Type | Reported Issue | Consumer Position | Review Status |
|---|---|---|---|---|---|
| 1 | |||||
| 2 | |||||
| 3 |
Potential Issue Categories & Non-Dispute Items
ITEMIZED SERVICE ASSESSMENT
Document Status: Business Template • Proposed HLP Credit Pricing Structure: $100 per negative item • $15 per inquiry
ITEM-BY-ITEM SERVICE LOG
Document Status: Business Template • Client File Audit Log & Earned Fee Validation
| # | Account / Inquiry | Type | Issue Identified | Client Auth | Work Performed | Completion Date | Fee if Legally Earned |
|---|---|---|---|---|---|---|---|
| 1 | Portfolio Recovery | Negative | Outdated Reporting (7+ Yrs) | 2026-11-01 | FCRA § 611 Letter Sent | 2026-11-03 | $100.00 |
| 2 | Enhanced Recovery | Negative | Cross-Bureau Balance Discrepancy | 2026-11-01 | Metro 2 Audit Notice Sent | 2026-11-03 | $100.00 |
| 3 | Synchrony Bank | Negative | Late Payment Date Variance | 2026-11-01 | Furnisher Notice Dispatched | 2026-11-03 | $100.00 |
| 4 | Auto Dealer Inq #1 | Inquiry | No Permissible Purpose Logged | 2026-11-01 | Inquiry Audit Notice Sent | 2026-11-03 | $15.00 |
| 5 | Auto Dealer Inq #2 | Inquiry | Duplicate Inq Outside 14-Day Window | 2026-11-01 | Inquiry Audit Notice Sent | 2026-11-03 | $15.00 |
- A dispute was planned
- A letter template was generated
- An account was identified
- A future service was promised
HLP CREDIT CONSUMER SERVICE AUTHORIZATION FRAMEWORK
Document Status: Business Template • Client Service Scope & Anti-Fraud Covenant
I am requesting HLP Credit to evaluate and, where appropriate, assist me with legitimate credit-report and credit-improvement matters.
I understand that HLP Credit may assist with:
- Credit-report analysis
- Credit education
- Identification of potential reporting discrepancies
- Development of a personalized action plan
- Appropriate consumer correspondence
- Appropriate dispute assistance
- Progress monitoring
- Mortgage-readiness preparation
CONSUMER COMMUNICATION AUTHORIZATION
Document Status: Business Template • Compliance Review Required Before Consumer Use
I authorize HLP Credit to communicate with me concerning my HLP Credit services using the contact methods I separately consent to use.
Partner Communication Authorization
I authorize HLP Credit to provide the following limited program-status information to:
MORTGAGE-READY ACTION PLAN
Document Status: Business Template • Strategic Roadmap to Mortgage Underwriting Clearance
HLP CREDIT CLIENT PROGRESS REPORT
Document Status: Business Template • Client File Audit and Cycle Reporting
PARTNER STATUS UPDATE
Document Status: Business Template • HLP CREDIT — MORTGAGE-READY PROGRAM
Subject to the consumer's applicable authorization, current program status is:
All mortgage qualification decisions remain exclusively with the applicable mortgage professional/lender.
MORTGAGE PROFESSIONAL HANDOFF
Document Status: Business Template • HLP CREDIT CLIENT RETURN NOTICE
At the consumer's request, HLP Credit is directing the consumer back to their mortgage professional for a new discussion regarding mortgage qualification.
- Mortgage eligibility
- Credit-score requirements
- Debt-to-income requirements
- Loan amount
- Interest rate
- Underwriting conditions
- Approval
HLP CREDIT SERVICE COMPLETION STATEMENT
Document Status: Business Template • Verification of Actually Performed Services
Completed Services & Itemized Accounting
- Every disputed item was deleted
- Every requested outcome was obtained
- The consumer's credit score increased
- The consumer qualifies for mortgage financing
HLP CREDIT ITEMIZED INVOICE TEMPLATE
Document Status: Business Template • 99 Regency Parkway, Suite 305, Mansfield, TX 76063 • info@hlpcredit.com
| Description | Quantity | Rate | Amount |
|---|---|---|---|
| Eligible Negative-Item Services (Actually Performed) | 3 | $100.00 | $300.00 |
| Eligible Inquiry Services (Actually Performed) | 4 | $15.00 | $60.00 |
| Other Authorized Service | — | — | $0.00 |
| TOTAL DUE: | $360.00 | ||
CONDITIONAL CLOSING-PAYMENT REQUEST
Document Status: Business Template • THIS DOCUMENT DOES NOT REQUIRE A LENDER OR SETTLEMENT COMPANY TO PAY HLP CREDIT.
HLP Credit requests review of whether the attached properly documented amount may legally and contractually be paid in connection with this transaction.
CONDITIONAL CONSUMER CLOSING-PAYMENT AUTHORIZATION
Document Status: Business Template • Compliance Review Required Before Consumer Use
I, , understand that I may owe HLP Credit an amount for services actually performed under my applicable agreement.
I authorize HLP Credit to provide the applicable invoice and supporting documentation to the appropriate settlement/title and mortgage professionals for the limited purpose of determining whether payment through my real-estate closing is permissible.
- This authorization does not require the lender or settlement company to permit payment through closing.
- The amount must not be mislabeled or concealed.
- HLP Credit's fee is not automatically a lender-required closing cost.
- If settlement payment is not permitted, my rights and obligations are governed by my lawful agreement with HLP Credit and applicable law.
PARTNER AGREEMENT FRAMEWORK
HLP CREDIT — MORTGAGE-READY HOMEBUYER REFERRAL RELATIONSHIP • Attorney Preparation Baseline
PURPOSE: The parties desire to establish a process through which consumers interested in credit-improvement services may receive information about HLP Credit.
INDEPENDENT BUSINESSES: The parties remain independent businesses. Nothing creates an employment relationship, partnership, joint venture, agency relationship, or authority for either party to bind the other unless expressly provided in a final written agreement.
CONSUMER CHOICE: Consumers are not required to use HLP Credit as a condition of obtaining information about housing or mortgage services.
NO MORTGAGE AUTHORITY: HLP Credit does not originate mortgages, underwrite mortgages, approve loans, set mortgage terms, determine interest rates, or guarantee financing.
NO CREDIT GUARANTEE: HLP Credit does not guarantee particular credit outcomes.
PARTNER REPRESENTATIONS: The partner will not represent that HLP Credit guarantees mortgage approval, removes all negative information, guarantees score increases, is required by a lender, or guarantees future qualification.
PRIVACY: Consumer information will be handled according to applicable authorization, privacy, and information-security requirements.
REFERRAL COMPENSATION (RESPA § 8): No referral compensation should be paid or accepted unless separately reviewed and determined to be lawful. The parties should not interpret this agreement as authorization for payments that violate applicable settlement-service, mortgage, real-estate, consumer-protection, or other requirements.
MARKETING & TERMINATION: Use of trademarks requires authorization. Both parties retain mutual termination rights.
PARTNER ONBOARDING CHECKLIST
Document Status: Business Template • Launch Governance & Partner Staff Training
HLP CREDIT PARTNER QUICK-REFERENCE CARD
Document Status: Business Template • Essential Verbal Scripting Guide for Loan Officers & Realtors
✅ DO SAY:
- “HLP Credit is an independent resource that may be able to help you understand and address credit-report issues.”
- “Participation is optional.”
- “Your lender will make all mortgage qualification decisions.”
❌ DON'T SAY:
- “HLP Credit will get everything deleted.”
- “They'll raise your score by ___ points.”
- “You'll qualify after using them.”
- “You have to use HLP Credit.”
- “This fee will definitely be paid at closing.”
HLP CREDIT INTERNAL QUALITY-CONTROL CHECKLIST
Document Status: Business Template • Pre-Dispute, Pre-Billing & Settlement Audit Gates
HLP CREDIT CRM PIPELINE (16 STAGES)
Document Status: Business Template • Every homebuyer client moves through these exact sequential stages
PARTNER CRM PIPELINE (11 STAGES)
Document Status: Business Template • Tracking Builder & Mortgage Referral Relationships
HLP CREDIT PARTNER OUTREACH SCRIPT
Document Status: Business Template • Standardized Script for Contacting Builders & Lenders
We have developed a Mortgage-Ready Homebuyer Program for builders and mortgage professionals who encounter prospective buyers with credit-related obstacles.
Instead of simply losing contact with those prospects, your team can provide information about an independent credit-improvement resource.
HLP Credit handles the credit-improvement process. When appropriate, the consumer returns to their mortgage professional for a new qualification review.
We don't originate mortgages and we don't guarantee approvals or credit outcomes.
I'd like to schedule a short meeting to show you the referral workflow and discuss whether it could complement your existing homebuyer process.”
HLP CREDIT PARTNER MEETING AGENDA
Document Status: Business Template • 20-Minute Introductory Presentation Structure
| Timeline | Topic & Focus Area | Objective |
|---|---|---|
| Minutes 1–3 | The credit-challenged buyer problem | Quantify lost pipeline leads and builder cancellations. |
| Minutes 4–7 | HLP Credit's solution | Introduce self-directed Metro 2 audit & education suite. |
| Minutes 8–11 | Referral workflow | Demonstrate Doc 1 Intake, CRM tagging, and partner notifications. |
| Minutes 12–14 | Consumer protections and compliance | Explain CROA, Texas Chapter 393, and RESPA Section 8 zero-kickback rules. |
| Minutes 15–17 | Partner status system | Show Doc 11 status reports and Doc 12 handoff back to the loan officer. |
| Minutes 18–20 | Pilot-program discussion and next steps | Establish a 90-day branch pilot using Doc 25 framework. |
PILOT PROGRAM FRAMEWORK
Document Status: Business Template • Controlled Branch / Location Implementation Structure
Rather than asking a major builder or mortgage company to immediately implement HLP Credit company-wide, HLP Credit can propose a controlled pilot subject to the partner's approval and compliance process.
Evaluated Pilot Metrics:
HLP CREDIT MANAGEMENT DASHBOARD
Document Status: Business Template • Monthly Operational & Quality Assurance Metrics
Quality & Compliance Metrics:
HLP CREDIT COMPLIANCE HOLD PROTOCOL
Document Status: Business Template • Mandatory File Freeze Standard
Any employee should be able to place a client file on COMPLIANCE HOLD when there is uncertainty involving:
HLP CREDIT CORE OPERATING PRINCIPLE
Document Status: Business Template • Non-Negotiable Institutional Doctrine
NEVER BUILD THE BUSINESS AROUND GUARANTEED DELETIONS.
NEVER BUILD THE BUSINESS AROUND GUARANTEED SCORE INCREASES.
NEVER BUILD THE BUSINESS AROUND GUARANTEED MORTGAGE APPROVAL.
Build HLP Credit around:
REQUIRED LEGAL BUILD-OUT BEFORE LAUNCH
Document Status: Business Template • 20-Point Legal Audit Checklist for Qualified Legal Counsel
Before these templates become final consumer contracts or disclosures, HLP Credit should have qualified counsel determine:
- The jurisdictions in which HLP Credit will operate.
- Whether HLP Credit falls within applicable federal and state credit-repair or credit-services laws.
- Required registrations, bonds, licensing, or other state requirements.
- Required consumer contract language.
- Required statutory disclosures.
- Required cancellation notices and cancellation periods.
- Whether the proposed $100-per-negative-item model is permissible and when each fee can legally become due.
- Whether the proposed $15-per-inquiry model is permissible and when each fee can legally become due.
- Appropriate billing and collection procedures.
- Appropriate electronic-signature procedures.
- Advertising requirements.
- Telemarketing/texting/email requirements.
- Privacy and information-security requirements.
- Permissible builder and mortgage-company referral arrangements.
- RESPA and other settlement-service implications.
- Whether any HLP Credit amount may be paid through a particular real-estate settlement.
- How an approved payment must appear on applicable closing documentation.
- Record-retention requirements.
- Complaint-management requirements.
- Partner marketing and co-branding restrictions.
HLP CREDIT PROGRAM ARCHITECTURE
A Repeatable Homebuyer Credit-Improvement Infrastructure