At Cosmo Credit Repair we have assembled expert credit repair techniques, a knowledgeable support staff, and courteous client service whose only goal is to help you improve your credit. Credit 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 credit restoration.

1. Free Credit Repair Consultations


We will help you understand your financial strengths
and weaknesses at no-obligations
  • 1 on 1 Support
  • Credit Summary Review
  • All 3 Credit Scores
  • Recommended Solutions
  • A Personalized Plan To Repair Your Credit

2. Credit Auditing


3. Creditor and Debt Collector Management


Cosmo Credit Repair
is here to HELP!


We’re here to help you achieve your optimal credit profile. We work with the credit bureaus and your creditors to resolve any issues on your credit reports.

We work on items that should be deleted or removed, items that should be updated, and items that should be re-characterized.

Our program is based upon extensive research of consumer credit laws, credit bureau tactics and persistence for our clients.

Our program is 100% legal. We’ve helped tens of thousands of clients correct their credit profiles .

Benefits from working with us

We handle the creditors and debt collectors for you.

Our proven effective credit report auditing methods increase your credit score fast.

Unlike some other companies, we do not limit or stagger your disputes in an attempt to keep you paying over time.

We follow up directly with your creditors.

Our goal is to get you in and out of our program as promptly as possible while providing you with optimal results.

Facebook Reviews

  • 5 star review  I want to thank Gloria Urbina & The Cosmo Credit Repair Team for providing the the tools to get my credit back on track! I started at 400 & I'm �up 200 + Points � I've had a lot of deletions on my credit reports... Best experience ever ���Cosmo Credit Repair is an Amazing company... I will definitely refer more people over Gloria!! Thanks for all your hard work...

    thumb Erika D Hernandez

    5 star review  I just got back some preliminary results. And they have done for me, what I have struggled to myself for the last three years! I was working under some assumptions and misconceptions about how credit works. Once I found out that after three years my credit didnt move at all, I gave them a call and I was really satisfied with the education they gave me UP FRONT about how credit works and what I had been doing wrong all along, all BEFORE I hired them. In this short amount of time of two months, they were able to have 2 huge items completely removed from all 3 bureau's amounting to 11,000$ with even more work to do on my behalf, I think using Cosmo CR will be of great value to anyone in need of credit repair. Because in the world we live in, your credit is everything,

    thumb Kevin Burgraff

    5 star review  I am one of the Cosmo Credit partners and I am very happy with the customer service. All of my clients are excited to be on the path of home ownership! Gloria and her staff are so informative and return my calls almost immediately. So glad to have such a great service for my clients! I will continue to refer all my future clients to Cosmo Credit!

    thumb Kristen Rostro
  • 5 star review  I recently started working with Cosmo Credit Repair and I am already SO happy that I did! They are working hard and have already made a positive impact on my credit report. They helped remove negative items from my credit report that shouldn't have been there. This directly caused an increase in my credit score! Thank you Gloria and team, I am on my way the 700 club.

    thumb Eric C Imondi

    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!

    thumb Karissa Lyn Sellers

    5 star review  Cosmo Credit Repair is the way of a new life. I'm looking forward to what this next chapter brings. Only a month in with Cosmo Credit and they've made more deletions in 30days, than the last Credit Repair company I used for years. Thanks Cosmo Credit Repair and Gloria for being efficient, helping me with this process to a new beginning.

    thumb Terrence C. Wortham-Pinkston

Schedule a FREE Credit consultation?

Or call Call: 1-866-997-6591

Contact us now!