"I've been denied for mortgages even though I pay my rent on time..."
You're not alone. 33 million Americans were "credit invisible" under the old FICO model. VantageScore 4.0 changes EVERYTHING — and most lenders still don't tell you about it.
The Problem
If Any of This Sounds Familiar, This Event Was Built Specifically for You...
"I don't have an SSN, so I thought homeownership was impossible..."
WRONG. ITIN holders CAN buy homes, access business funding, and build credit. We'll show you the exact programs (including Hometown Heroes $15K assistance) and walk you through the application LIVE.
"I've tried to fix my credit before, but nothing worked..."
Because you didn't have the NEW playbook. Our featured financial leaders (including Bruce Cornelius, JWill, and Chekelah) reveal the 2026 credit repair strategies that actually WORK — including business credit lines of $50K–$250K with ZERO personal guarantee.
| BEFORE This Event | AFTER This Event |
|---|---|
| ❌ Confused about which credit score matters | ✅ Know exactly how VantageScore 4.0 works + how to access it FREE |
| ❌ Think ITIN = no mortgage | ✅ Have ITIN application started + know which lenders accept it |
| ❌ Paying $1,500/mo rent with nothing to show | ✅ Clear path to $15K down-payment assistance (Hometown Heroes) |
| ❌ Business stuck at 5-figures because of credit | ✅ Roadmap to $50K–$250K business credit lines |
| ❌ Don't know which "expert" to trust | ✅ Vetted panel of 28+ year mortgage pros, certified FICO specialists, tax strategists |
The Difference
Here's What 99% of "Financial Literacy" Events Get Wrong...
They teach you WHAT to do — but never HOW to actually do it.
They talk about "building credit" in theory — but don't hand you the playbook, the tools, or the LIVE support to execute.
We're different.
On September 19th, you're not just learning ABOUT financial freedom.
You're STARTING the process — same day.
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VantageScore 4.0 Breakdown — Why this is the ONLY score that matters for 2025-2026 mortgages (FHFA mandated it for Fannie Mae/Freddie Mac), how to access your score for FREE, and the 3 fastest ways to boost it 40-60 points in 30 days.
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ITIN Application Started (Live!) — IRS-certified specialists on-site. If you don't have an SSN, you'll leave with your ITIN paperwork IN PROGRESS and a clear timeline to approval.
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Hometown Heroes Program ($15K!) — Teachers, first responders, veterans, healthcare workers: You qualify for up to $15,000 in down-payment assistance. We'll show you the application, connect you with approved lenders ON-SITE, and some of you will get pre-approved BEFORE you leave.
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Business Credit Roadmap ($50K–$250K) — Our summit advisors reveal the exact 90-day blueprint to build $50K+ in business credit lines (Uline, Quill, Net-30 vendors) with ZERO personal credit check. You'll leave with your first 3 vendor accounts ready to apply.
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Mortgage Financing Masterclass — Chalamaine Armstrong (GFS Home Loans, 28 years experience, NMLS #259978) breaks down: low-credit mortgage options, first-time buyer programs, creative financing for self-employed, and how to get approved even if you've been denied before.
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5 Live Q&A Panels — No scripted BS. Bring your REAL questions. Get REAL answers from the panel (mortgage pros, ITIN specialists, credit experts, tax strategists, business funding advisors).
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Meals Included — Breakfast + Lunch ($20 value) because we need you FOCUSED, not distracted by hunger or hunting for food.
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Resource Bundle — Credit monitoring sign-up (MyFreeScoreNow — required for entry, $29.95/mo value), downloadable guides, lender contact lists, ITIN application checklist, Hometown Heroes eligibility quiz.
Summit Leadership
Meet Your Hosts & Featured Experts
The visionaries, fintech architects, credit software developers, and mortgage experts leading the charge on September 19th.
Event Founder & Co-Host
Chekelah Phelps
Founder & CEO, HLP Credit Solutions Corporation
Credit Educator • Community Leader • Homeownership Advocate
Chekelah Phelps is the founder and driving force behind the Financial Literacy Summit Series.
Through HLP Credit Solutions, Chekelah connects families with practical credit education, home-buying resources, mortgage professionals, financial specialists, and community programs designed to support responsible homeownership.
FEATURED SESSION HIGHLIGHTS:
Her featured session will explain how aspiring buyers can organize their financial preparation, understand their next steps, connect with qualified professionals, and create a realistic path toward purchasing a home.
A MESSAGE FROM CHEKELAH:
“Our community deserves access to the financial knowledge, professional resources, and opportunities needed to pursue homeownership with confidence.”
— Chekelah Phelps
Connecting Families With Education, Resources, and Homeownership Opportunities
Co-Host
Rick Jefferson
Founder & CEO, RJ Business Solutions
FinTech Architect • Credit Software Developer • AI Systems Engineer
Rick Jefferson builds the technology behind modern credit education and mortgage preparation.
Through RJ Business Solutions, Rick develops AI-powered credit-analysis software, mortgage-readiness engines, educational scoring tools, home-affordability calculators, debt-to-income calculators, business-credit platforms, compliance workflows, and interactive financial applications.
FEATURED SESSION HIGHLIGHTS:
His featured session will explain VantageScore 4.0, Classic FICO, FICO 10T, trended credit data, lender scoring differences, mortgage calculations, and the future of AI-powered financial preparation.
A MESSAGE FROM RICK:
“The future of financial education is intelligent technology that helps people understand their position, calculate realistic options, and take organized action.”
— Rick Jefferson
Building the Technology Behind the Future of Credit and Homeownership
Featured Expert
Chalamaine Armstrong
Regional Vice President, GFS Home Loans
NMLS #259978 • Founder, KissWealthNow
Chalamaine Armstrong helps individuals and families understand mortgage financing and prepare for responsible homeownership.
Through GFS Home Loans and KissWealthNow, Chalamaine guides prospective buyers through financing options, mortgage documentation, affordability, down-payment assistance opportunities, underwriting requirements, and the complete home-buying process.
FEATURED SESSION HIGHLIGHTS:
Her featured session will explain preapproval, debt-to-income ratios, loan programs, closing costs, buyer documentation, down-payment planning, and the mistakes consumers should avoid before closing.
A MESSAGE FROM CHALAMAINE:
“Homeownership becomes more achievable when buyers understand the process, prepare early, and work with professionals who explain their options.”
— Chalamaine Armstrong
Financing Homes, Educating Families, and Building Wealth Through Ownership
Featured Expert
Germany Williams
Founder & CEO, The CEO Tax Software
Tax Professional • Software Distributor • Business Educator
Germany Williams is a tax professional, entrepreneur, and software distributor with more than 20 years of tax-industry experience.
Through The CEO Tax Software, Germany provides professional tax software, hands-on training, business support, and proven strategies that help tax preparers launch, operate, and grow profitable tax businesses.
FEATURED SESSION HIGHLIGHTS:
His featured session will explain tax technology, business ownership, self-employed income preparation, financial documentation, tax-business development, and how organized tax records can support long-term financial and homeownership goals.
A MESSAGE FROM GERMANY:
“This business started with my father believing in me. Today, my passion is paying that knowledge forward by helping others build successful tax businesses of their own.”
— Germany Williams
Empowering Tax Professionals Through Technology, Education, and Entrepreneurship
Featured Expert
Johnnie Morine
President & CEO, People’s Title LLC
Technology Executive • Real Estate Entrepreneur • Community Advocate
Johnnie Morine is President and CEO of People’s Title LLC, a 100% Black-owned Texas title company serving North Texas and the Greater Houston area. After beginning his career in engineering, Johnnie built an international technology company before expanding into real estate.
He founded The Morine Group, REALTORS®, grew the brokerage to more than 70 agents, owned a RE/MAX brokerage, established Morine Empire Realty & Associates, and ultimately entered the title insurance industry.
FEATURED SESSION HIGHLIGHTS:
His featured session will explain title insurance, property ownership, title searches, closing preparation, title defects, title stabilization, heirs’ property, and why resolving ownership issues is essential to protecting a family’s home and generational wealth.
A MESSAGE FROM JOHNNIE:
“Protecting Property Ownership, Strengthening Communities, and Building Generational Wealth.”
— Johnnie Morine
Johnnie is committed to financial literacy, affordable housing, scholarships, real estate education, entrepreneurship, and helping families protect the property and wealth they work to build.
Featured Expert
Amy Redix
Founder & Agent Team Lead, Uptown Luxe Realty
Powered by NB Elite Realty
Luxury REALTOR® • Real Estate Investor • Developer • Entrepreneur
Amy Redix is a Luxury REALTOR®, real estate investor, developer, and entrepreneur with more than 15 years of residential, commercial, and investment real estate experience across the Dallas-Fort Worth Metroplex.
Recognized among the top 5% of more than 800 REALTORS® at a leading brokerage, Amy combines local market expertise, skilled negotiation, corporate business strategy, property-flipping experience, and firsthand knowledge of real estate investing.
FEATURED SESSION HIGHLIGHTS:
Her featured session will explain property selection, market analysis, offer strategy, negotiation, luxury real estate, investment opportunities, property development, and how buyers can approach real estate as both a homeownership decision and a long-term wealth-building tool.
A MESSAGE FROM AMY:
“Turning Real Estate Opportunities Into Ownership, Investment, and Lasting Wealth.”
— Amy Redix
Amy leads a team of elite real estate professionals committed to helping buyers, sellers, and investors make informed decisions, create opportunities, and achieve lasting success.
Featured Expert
Charlotta Kidd
REALTOR®, Spirit Real Estate
Buyer Advocate • Seller Representative • Community Professional
Charlotta Kidd is a dedicated REALTOR® serving buyers, sellers, and real estate investors throughout the Dallas-Fort Worth Metroplex.
Known for her professionalism, strong work ethic, and client-first approach, Charlotta helps individuals and families navigate one of life’s most important financial decisions with confidence, integrity, and personalized guidance.
FEATURED SESSION HIGHLIGHTS:
Her featured session will explain the home-search process, working with a real estate agent, preparing competitive offers, evaluating properties, negotiating terms, understanding transaction milestones, preparing for closing, and avoiding common first-time homebuyer mistakes.
A MESSAGE FROM CHARLOTTA:
“Building Trusted Relationships, Creating Opportunities, and Helping Families Find Their Way Home.”
— Charlotta Kidd
Whether purchasing a first home, finding a forever home, or preparing a property for sale, Charlotta is committed to creating a smooth, rewarding, and memorable experience.
Featured Expert
Tunita Bailey
Founder, Ms B The Money Lady™
AI Capital Strategist • Lending Professional • Business Systems Innovator
Tunita Bailey, professionally known as Ms B The Money Lady™, is an experienced lending professional, mortgage educator, entrepreneur, speaker, and AI capital strategist with more than 30 years of industry experience.
Through the AI Capital Ecosystem™ and Mortgage Training Academy, Tunita helps entrepreneurs, real estate professionals, loan officers, and business owners use technology, capital-readiness strategies, professional education, and automated business systems to create sustainable growth.
FEATURED SESSION HIGHLIGHTS:
Her featured session will explain capital readiness, mortgage-industry opportunities, AI-powered business development, real estate investing, relationship management, business automation, lending preparation, and how entrepreneurs can use modern technology to turn ideas and professional relationships into revenue.
A MESSAGE FROM TUNITA:
“Where AI, Capital, and Business Systems Build Wealth.”
— Tunita Bailey
Tunita’s work connects financial experience with emerging technology, giving professionals practical tools to capture leads, improve follow-up, and build scalable businesses.
Strategic Integration
Featured Technology & Strategic Partners
Leading financial technology executives and growth leaders connecting advanced credit analytics with consumer homeownership journeys.
MyFreeScoreNow Sponsor
Bruce Cornelius
CEO & Co-Founder, MyFreeScoreNow
FinTech Executive • Credit Technology Innovator • Partner Advocate
Bruce Cornelius leads the vision and continued development of MyFreeScoreNow, a consumer credit and financial wellness technology platform.
Through MyFreeScoreNow, Bruce helps provide consumers and professionals with access to credit reports, credit monitoring, credit-score education, score-tracking tools, financial insights, and technology designed to support more informed financial decisions.
FEATURED SESSION HIGHLIGHTS:
His featured session will explain VantageScore 4.0, modern credit-monitoring technology, consumer financial access, partner integrations, data transparency, and how credit professionals, lenders, and real estate professionals can use technology to better prepare and educate consumers.
As CEO and Co-Founder, Bruce also leads the company’s expanding affiliate and professional partner network, connecting technology with the organizations that serve consumers throughout their financial and home-buying journeys.
A MESSAGE FROM BRUCE:
“Our mission has always been centered on access, transparency and putting customers first.”
— Bruce Cornelius
Expanding Credit Access, Advancing Financial Technology, and Supporting Consumer Choice
MyFreeScoreNow Sponsor
JWill
Head of Growth & Marketing, MyFreeScoreNow
U.S. Veteran • Business Strategist • Community Builder
JWill helps credit professionals, entrepreneurs, real estate professionals, and financial educators transform relationships into sustainable business growth.
As Head of Growth and Marketing at MyFreeScoreNow, JWill supports partner education, affiliate development, community engagement, strategic marketing, live training, and the expansion of the MyFreeScoreNow professional network.
JWill brings the leadership, discipline, determination, and commitment to service developed through his experience as a United States military veteran.
FEATURED SESSION HIGHLIGHTS:
His featured session will explain how credit and mortgage professionals can use technology, education, consistent follow-up, and responsible partnerships to serve more consumers and build stronger businesses.
PARTNER FOCUS:
His message is centered on disciplined execution, authentic relationships, continuous education, and creating opportunities that benefit both professionals and the communities they serve.
— JWill
Helping Professionals Build Relationships, Expand Their Reach, and Create Greater Community Impact
Expert Panel Also Includes:
🧾 Tax Strategy Specialists — Maximize deductions, minimize liability, protect your wealth.
🏦 Banking Partners (PNC Bank) — Business accounts, merchant services, small business loans.
📊 MyFreeScoreNow Affiliates — Credit monitoring, score tracking, dispute tools.
🏡 Real Estate Professionals — Investment strategies, house-hacking, rental financing.
🎖️ Retired NFL/NBA Athletes (Special Guests) — How they built wealth AFTER the game (and the mistakes they made so you don't have to).
Watch Our Official Seminar Invitation
Take 40 seconds to hear directly from our team on why this summit is completely different. We are bringing realtors, approved lenders, title experts, tax specialists, and credit restoration consultants into a single room to help you walk out with active approvals.
📅 Sept 19 · Mansfield, TX
📍 Venue: Michael Evans Sr. Education Bldg. B, 1188 W Broad Street, Mansfield, TX 76063
🏌️ Bonus Community Event — Sept 18
The 18th Annual Dr. Michael A. Evans Sr. Scholarship Golf Classic tees off the day before the Summit at Tangle Ridge Golf Course, Cedar Hill. Individual $125 · Team $500 · evansscholarship.org
Real Results
Don't Just Take Our Word for It — Here's What Past Attendees Say:
"I came to last year's event skeptical. I left with a pre-approval letter and closed on my first home 60 days later. This changed my family's trajectory."
"The business credit strategy taught at this event got me $75K in credit lines in 90 days. I used that to buy inventory and 10X'd my revenue. Best event I've ever attended."
⭐⭐⭐⭐⭐"I didn't have an SSN and thought I'd never own a home. The ITIN workshop changed everything. I'm now in escrow on a 3-bedroom in Cedar Hill."
⭐⭐⭐⭐⭐"The Hometown Heroes program gave me $15K for my down payment. I'm a teacher making $52K/year — I never thought I could afford a house. Now I'm a homeowner."
⭐⭐⭐⭐⭐"VantageScore 4.0 made me 'scoreable' for the first time. My FICO was invisible, but VantageScore gave me a 680. Got approved for a mortgage 3 weeks later."
⭐⭐⭐⭐⭐"I've been to 5 'financial freedom' seminars. This is the ONLY one that actually delivered actionable steps. No fluff. Just real strategies."
⭐⭐⭐⭐⭐"The Q&A panels alone were worth 10X the ticket price. I got answers to questions I've been asking for YEARS."
⭐⭐⭐⭐⭐"My credit score went from 580 to 720 in 4 months using the strategies from this event. Just refinanced my car and saved $180/month."
*Testimonials reflect individual experiences from past attendees and are not typical. Results vary based on your credit history, income, effort, and market conditions. No specific credit score improvement, loan approval, or funding amount is guaranteed. This event provides education, not credit repair services, legal advice, or lending decisions.
Seating Admission
Claim Your Free Admission Pass
Complimentary 100% free seating sponsored exclusively by MyFreeScoreNow credit monitoring.
⚠️ Admission Gate
Credit Report QR Code
Admission is free but requires proof of active credit monitoring. Open your phone's camera to scan and enroll instantly. Bring your active report on Sept 19.
👉 Or Click Here to Enroll Directly →
Includes a 7-day trial. Active enrollment will be verified at the check-in table.
100% Sponsor-Backed
Full-Access Free Pass
Allows complete entry, materials, meals, workshops, and consultation.
$125.00 Value
FREE
YOUR PASS INCLUDES ALL PREMIUM BENEFITS:
- ✓ Full-Day Event Entry (all panels & keynotes)
- ✓ Interactive Live Audits (fix report same-day)
- ✓ Hot Breakfast + Premium Lunch (Mansfield, TX)
- ✓ 1-on-1 Consultation (expert credit analysis)
- ✓ ITIN application fast-track (if required)
- ✓ Resource Blueprint Map (digital assistance guide)
👉 CLAIM YOUR FREE TICKET NOW →
🛡️ 100% Free Pass · No credit card or payment required · Max 1 ticket per registration
⚠️ Capacity Limit (300 Attendees): Due to strict venue capacity limits, registration will close automatically when the threshold is met. Claim your pass now to guarantee your entry.
FAQ
You Probably Have Questions. We Have Answers.
Q1: Is this event virtual or in-person?
In-person ONLY. Location: Michael Evans Sr. Education Bldg. B, 1188 W Broad Street, Mansfield, TX 76063. We chose in-person because the REAL value is in the live Q&A, the networking, and the on-site support (ITIN applications, credit consultations, lender connections). Zoom can't replicate that.
Q2: What if I can't attend the full day?
We highly recommend attending live — the Q&A panels, food, and on-site 1-on-1 support are where the magic happens. Since this event is completely free, please only register if you are fully committed to attending.
Q3: I've been to "financial literacy" events before and nothing changed. Why is this different?
Most events teach WHAT to do. We show you HOW — and help you START the process same-day. You'll leave with: ITIN application in progress (if applicable), credit report pulled and analyzed, lender connections made, business credit vendor list in hand, Hometown Heroes eligibility confirmed. This is EXECUTION, not just education.
Q4: Why is this event 100% free? Is there a catch?
Absolutely no catch. This summit is 100% free of charge to you because it is fully sponsored by our official partner, **MyFreeScoreNow** credit monitoring. The only requirement is that all attendees must enroll in MyFreeScoreNow using our partner link (trial option available, cancel anytime). This active credit monitoring is what we use during the live credit repair auditing workshops on-site to help you pull your VantageScore 4.0 and pinpoint errors same-day.
Q5: Who is this event for?
Ages 18-35 aspiring homebuyers, ITIN holders (no SSN? No problem), credit rebuilders (score under 650), first-time homebuyers, business owners stuck at 5-6 figures due to lack of funding, teachers/first responders/veterans (Hometown Heroes $15K assistance), and immigrants who think homeownership is impossible (it's not — we'll prove it). NOT for: people looking for get-rich-quick schemes, crypto bros, or anyone not serious about taking action.
Q6: What makes this different from YouTube videos or free content?
YouTube teaches theory. We provide IMPLEMENTATION. You'll pull your VantageScore 4.0 ON-SITE, start your ITIN application ON-SITE, connect with approved lenders ON-SITE, and ask YOUR specific questions to experts ON-SITE. Plus: the networking alone is worth 10X. Last year, 3 attendees partnered on a real estate deal they met at this event.
Q7: Will there be "pitching from stage" or upsells?
TRANSPARENT ANSWER: Yes, there will be ONE offer at the end of the event (a credit repair/business funding coaching program for those who want ongoing support). It's optional. You'll get massive value whether you buy or not. We're not one of those "free seminar" scams that holds all the good info hostage behind a $10K program.
Q8: How do I know this will work for MY situation?
We've helped ITIN holders with no SSN get mortgages, credit scores under 600 get approved for loans, teachers making $50K/year become homeowners, and business owners with no credit get $75K in funding. If they did it, you can too. And if you have a unique situation, that's EXACTLY why the Q&A panels exist.
Q9: What if I register but can't make it?
Because admission is 100% free and seating is strictly limited to 300 guests, every unclaimed seat is a wasted opportunity for someone else. If you register but can no longer attend, please contact us immediately at info@hlpcredit.com so we can release your ticket to the waitlist.
Q10: I'm a complete beginner. Will this be over my head?
NO. The content is broken into levels — from "I don't even know what a credit score is" to "I'm a business owner seeking funding." Every session has something for every level. And the Q&A panels let you ask beginner questions without judgment.
Q11: What's the dress code?
Business casual. Come ready to network — exchange cards, make connections, look professional. (But we're not the fashion police. Comfortable > uncomfortable.)
Q12: What do I need to bring?
Just 3 things: 1) Photo ID (name must match registration), 2) Proof of credit report order OR your QR code (emailed after registration), 3) Notebook + pen. Optional: business cards for networking, questions written down for the Q&A panels.
The Only Question Left Is: Are You In or Out?
Free registration window is currently active. Secure your pass today and prepare your credit profile for homeownership.
Choice 1: Do nothing. Stay stuck in the same cycle. Keep getting denied for mortgages. Keep paying rent. Keep watching others build wealth while you stay on the sidelines. (How's that been working out?)
Choice 2: "Think about it" for another week, another month, another year. Meanwhile, the event fills up. Free registration closes. And 6 months from now, you're kicking yourself when you see attendees posting about their new homes, credit scores, and business funding.
Choice 3: CLAIM YOUR SEAT RIGHT NOW. 100% Free Pass sponsored by MyFreeScoreNow. Worst case? You get a great breakfast, a great lunch, and some new strategies. Best case? This is the day that changes your financial trajectory forever.
⏰ Free Registration Window Closes In:
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🎟️ 100% SPONSOR-BACKED FREE ENTRY
Zero price, zero financial risk. Complete the registration form and maintain active credit monitoring with MyFreeScoreNow to qualify for guaranteed entry.
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