Gloria Urbina
Cosmos CEO

At Cosmo Credit Repair we have assembled a team of expert credit repair specialists  whose only goal is to help you improve your credit. Your credit history has become increasingly important in today’s world and all too often people lack the knowledge and professional help they require in the crucial areas of their credit restoration.

As a consumer advocacy company we are fully equipped and very confident that if you need assistance in working to repair your credit you have found the right team. The Cosmo team is comprised of some of the most experienced and dedicated professionals in the industry ready to help you accomplish your goals. Your credit report and scores mean everything, so let’s get to work!

Our Company History

March, 2012 –
Founded in Dallas, TX

Gloria Urbina, Founder & CEO

Founded in March 2012, Cosmo Credit Repair was built with a genuine passion to help individuals and their families gain financial freedom and offer the opportunity for a second chance.

August, 2013 – Company Growth Explodes

In less than 1 year, the “new kid on the block“ establishes itself as a premier national credit repair agency by tripling it’s anticipated growth goals behind Gloria’s innovative company management style.

Today – Repairing the Past and Preparing for the Future!

Cosmo Credit Repair has successfully helped 30,000 (and growing) individuals, families, home buyers, business owners, and so many more…and The Journey Has Just Begun!

October, 2012 – A New Team Is Born

Gloria forges a new team of expert credit repair professionals who share her vision: Help individual and families obtain their dreams through world class credit repair services.

May, 2017 – New Headquarters Established

Frisco, TX

Year-over-year growth forces Cosmo to move into a large cushy office space to accommodate it’s ever-growing team.

Our Guarantee

We are proud to announce that over 97% of our clients are satisfied with their results. We help them fulfill their goals and support them in making their dreams come true. Our clients share their experiences and accomplishments by sending us reviews and testimonials. This gives us the motivation to keep changing lives every day, one credit report at a time.

Schedule a FREE Credit consultation?

Or call Call: 1-866-997-6591

Facebook Reviews

  • 5 star review  I started this journey at the end of May and at first I was a little skeptical. But now I’m uber excited and dancing � � in my seat!! Talina has been working diligently disputing items and she has succeeded in getting over 70% of the items removed in only two months. �� I know we still have a ways to go but with these kind of results I’m glad I followed my first mind! Talina, thank you soooo much.

    MissRisk Armstrong Avatar MissRisk Armstrong
    August 2, 2018

    5 star review  Thanks so much for my referral gift card, I received it today and also thanks for the letter. By the way it's been 2 years & 5 months since I have purchased my house with a 3.875%. I got new a car with zero percent interest. My credit is great & it all started with you in 2013 � Thanks for Repairing my past so that I can NOW Enjoy my future! � Thanks Gloria!

    Clarice Whitaker Avatar Clarice Whitaker
    February 26, 2017

    5 star review  Cosmo Credit is awesome, they have been working on both mine and my husband's credit. They started in August and since then I have had about 16 deletions and even removal of a tax lien off my credit alone. My husband has had a significant amount of deletions and a tax lien removed as well. They have given us awesome results thus far and I'm happy that I acquired thier services. Gloria has a great staff, Niko and Brittney are who I interact with most often, and they answer all questions promptly. If you're looking for a great affordable credit repair service Cosmo Credit is the way to go.

    Amber Rochelle Wilson Avatar Amber Rochelle Wilson
    October 2, 2017
  • 5 star review  My husband and I started our journey with Gloria and Cosmo Credit Repair 3/2017 with credit scores in the high 500. Within a couple of months we started to see deletions and our scores rising. By 9/2017 our scores were above 760. We purchased and closed on our new home 9/28/2017 with no money down. Bought a new truck 10/2017 with no money down and just this month last month, 2/2018, my husband was able to buy his Bass boat with no money down. You hear a lot of companies say they can help clean up your credit, we tried a couple of them with no significant changes to our credit however there were changes with our pocket, the cost. We have referred friends to Cosmo and will continue to so. WHAT A BLESSING THEY ARE!

    Dona Bowman Avatar Dona Bowman
    March 9, 2018

    positive review  Amazing!!! They did an awesome job!! My score with 2 companies jump over 100 points, the 3rd company was almost at 100!!! Truly impressed!! I would recommend them to anyone!!!

    Cheryl Duncan-Alford Avatar Cheryl Duncan-Alford
    December 12, 2018

    5 star review  I am a first time user and I'm so excited and pleased about this service I can even imagine the outcome I'm thankful and will be sharing my new found Credit Experts with all my friends!!!!!

    Averial Firstladylee Cleveland Avatar Averial Firstladylee Cleveland
    May 27, 2017

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