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 am so pleased the the results I’ve gotten in such a short period time with Cosmo Credit. Everyone has been very professional. They are easy to get in touch to with which is very important to me and always willing to answer my questions. I definitely recommend them.

    Constance Thomas Avatar Constance Thomas
    January 9, 2018

    5 star review  When I started working here my credit was shot! I immediately jumped into the program and all I can say is wow! My score jumped a ton just in the first month I was in the program! The methods and transparency that Cosmo has is unmatched!

    Demetrius Chambers Avatar Demetrius Chambers
    March 7, 2018

    positive review  I had credit problems and was wanting to buy a house and I was referred to Cosmo and was Leary at first but decided to try and and have ABSOLUTELY NO regrets! In just a short couple months they have gotten 52 YES 52 negatives off my credit!! I HIGLY recommend giving them a try ! They are always so friendly and keep you up to date and TRUE to their word ! YOU WILL NOT REGRET IT!

    Karissa Lyn Sellers Avatar Karissa Lyn Sellers
    October 14, 2018
  • 5 star review  Cosmo credit knows their stuff! They are not this fly by night credit repair company that will put negative items on hold for a few, but they will get it deleted for good! Trust me they are worth it! Give them a call, you won't be disappointed �

    Deonca Riko Jeffers Avatar Deonca Riko Jeffers
    January 11, 2018

    5 star review  My only regret is that I didn’t do this any sooner

    Charlie-Iris Lukacs Avatar Charlie-Iris Lukacs
    March 14, 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

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