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  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  I have to say I am very impressed with the first round of results, Cosmo Credit Repair has accomplished with my credit. I am so excited and can not wait to see the overall outcome. The only thing I wish is that, I should have contacted them way way sooner! The staff is amazing, great customer service and communication skills. They are very patient with any questions that I may have. Furthermore, they always make sure that I am well informed about their disputes and that I understand what is going with my credit monitoring or repairs. Definitely recommend Cosmo Credit Repair to everyone.

    Irma Vargas Avatar Irma Vargas
    February 28, 2018

    5 star review  Cosmo Credit is the best decision I could of made. I was skeptical at first but it's been a month and alot of things have been deleted on my credit already. Thank you so much to Gloria Urbina for making the process easy and so worth it!

    Bonnie Love Montiel Avatar Bonnie Love Montiel
    August 13, 2017
  • positive review  Strongly recommend! The team removed over 60% off my credit report! They are working diligently on getting my credit scores to above 700! I’m almost there:) yay! So excited! Anna is super friendly and makes sure to follow up with time regularly to make sure I sent in all the mail! The Cosmo team has done an amazing job so far and I look forward to more great results in the upcoming future 🙂

    Katya Koshka Avatar Katya Koshka
    November 14, 2018

    positive review  they are great in repairing your credit.

    Billy Lane Avatar Billy Lane
    April 22, 2019

    positive review  I started with a low 500 score but after a year of working with cosmo credit diligently on my credit, my score is in the mid 700s!! Everyone is very knowledgeable and professional.

    Camealle Cooper Avatar Camealle Cooper
    April 10, 2019

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