Personal Growth


Repairing your Past. Preparing for the Future.

Credit counseling and consumer credit repair aren’t just for people with bad credit scores or crushing credit card debt. Using a reputable credit repair service can help you get your FICO score into a higher range. That higher credit score can open doors into lower interest rates on your credit cards, higher credit allowances, and even get you a more favorable interest rate on that home loan which give you peace of mind and security.

What Do

I Do Now?


If you’re doing fine with your debt, you may wonder how a consumer credit counseling service can help you. After all, you’re making all of your payments on time, and you’re doing fine. What else can you do to improve your credit score? Our team of dedicated credit specialists can show you ways to improve your credit, from learning about your debt ratio, to tips on eliminating your credit card debt entirely. Improving your credit is a skill, and it’s one that is well worth mastering. If you’re interested in reaching the next level with your credit, contact us so we can help. There’s no reason to hold yourself back.


Schedule a FREE Credit consultation

Or Call: 1-866-997-6591

Facebook Reviews

  • 5 star review  Cosmo made it very affordable for me to join their credit repair program and now in just 2 months of starting I got 7 out of 12 deletions off my credit report. I’m super pleased with what they have made possible for me. Looking forward to the 700’s club and buy a new home that my family deserves.

    Sarah Ramirez Avatar Sarah Ramirez
    December 28, 2017

    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

    5 star review  Cosmo Repair has help me see the light at the end of the tunnel. My experience with this program has been Good, Mr. Doug gets the job done..... My Transunion and Experian report has been deleted and we are just wanting for the results from Equifax... also kuddos to Brittney for Making sure i understood my spreadsheets and if i had any questions and concerns. She would help as much as POSIBLE. GRACIAS COSMO CREDIT REPAIR FAMILY.

    Melody Horn Blades-Vega Avatar Melody Horn Blades-Vega
    May 11, 2018
  • 5 star review  I am very happy with my results, i completed the program and cosmo repair deleted all the negetive of off my credit report!!! Not even that but now i dont have to worry about a dam school loan so i soo recommend to get with the program, easy and they explain everything to you very well throughout the process.

    Diana Sosa Avatar Diana Sosa
    July 28, 2017

    5 star review  I’m a person that think all these credit repair companies, are a joke! I have been proven wrong. Cosmo Credit Repair is NO JOKE!! They explained to me originally that it would take 6mos to see an improvement, but this company actually has staff that work and love what they do! It only took them 4 months to turn the negatives into an extra 45 points on my credit report, therefore my credit score went up 45 points. I have one word, UNBELIEVABLE.Cosmo Credit Repair is not only repairing your credit, they’re also educating you on what not to do and what to do in order to keep your credit score to your satisfaction. Now, we all know it’s all about that credit score! It feels amazing to go to a New car lot, and the salesman say, “you can have whatever you want on the lot”, but when they say that, you need to say, I know, but I’m going to stay within my budget. This is how not to get back to repairing your credit.......

    Alvita Lowe Avatar Alvita Lowe
    January 30, 2018

    5 star review  Cosmo Credit Repair not only was able to get all my medical collections deleted just one month into the program but also is helping in building my credit!! They were able to help me get approved for my first credit card and have been there every step of the way for any questions advising me on my financial future. Thank you Cosmo!!!! �

    Anna Lourdes Avatar Anna Lourdes
    April 3, 2017

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