Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL vs Cosmo Credit Repair (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL
Summary
Credit Supreme starts at $49.99/month with a $69.99 setup fee and holds a BBB A+ rating backed by 1,104 reviews averaging 4.8/5 — far more social proof than Cosmo Credit Repair's 349 reviews at 4.6/5. Cosmo charges up to $99/month with undisclosed setup fees and carries a weaker B− BBB rating with at least one unanswered complaint. Both offer money-back guarantees, but Credit Supreme's 90-day refund policy has documented friction through BBB complaints, while Cosmo promises a 50-point score increase or full refund. Credit Supreme's lower base price, stronger ratings volume, veteran-owned status, and same-day dispute filing make it the stronger value for most consumers despite its newer founding date.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | From $49.99/mo | From Free/mo Best |
| Setup Fee | $69.99 | Free Best |
| BBB Rating | A+ Best | B- |
| Money-Back Guarantee | Yes | Yes |
| Our Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
Which One Is Right for You?
CreditDoc Diagnosis
Doctor's Verdict on Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL
Choose Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL if you want: South Florida residents who want a local, hands-on credit repair team. Veterans and active-duty military seeking a veteran-owned firm with applicable discounts. Top strength: 4.8/5 Google rating from over 1,100 reviews — exceptional volume of social proof.
CreditDoc Diagnosis
Doctor's Verdict on Cosmo Credit Repair
Choose Cosmo Credit Repair if you want: Prospective homebuyers in the DFW area needing to clear collections, judgments, or late payments before a mortgage application. Entrepreneurs seeking to improve personal credit scores to qualify for business financing. Top strength: Founded March 2012 — over 14 years operating in the DFW credit repair market.
CreditDoc Diagnosis
Doctor's Verdict on Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL
Our pick: Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL. Credit Supreme offers nearly half the monthly cost ($49.99 vs $99), a significantly higher BBB rating (A+ vs B−), and over three times the verified review volume (1,104 vs 349) at a higher average score (4.8 vs 4.6), making it the better overall value despite being founded seven years later.
Frequently Asked Questions
Which is cheaper, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL or Cosmo Credit Repair?
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL is cheaper at $49.99/mo compared to Cosmo Credit Repair at $99.00/mo. However, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL charges a $69.99 setup fee, while Cosmo Credit Repair has no setup fee.
Which has a better BBB rating, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL or Cosmo Credit Repair?
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL has a A+ BBB rating, while Cosmo Credit Repair has a B- BBB rating. The BBB rating reflects how well a company responds to customer complaints and conducts business.
Do Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL and Cosmo Credit Repair offer money-back guarantees?
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL offers a money-back guarantee: 90-day money-back guarantee: if no item deletions occur by the third billing cycle, monthly fees are refunded. Note: multiple BBB complaints document difficulty obtaining this refund in practice; at least one customer was referred to collections after disputing charges. Cosmo Credit Repair offers a money-back guarantee: 50-point credit score increase guaranteed or full money back, as stated on their website and About Us page.
Which company is better overall, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL or Cosmo Credit Repair?
Based on our analysis, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL is the better overall choice. Credit Supreme offers nearly half the monthly cost ($49.99 vs $99), a significantly higher BBB rating (A+ vs B−), and over three times the verified review volume (1,104 vs 349) at a higher average score (4.8 vs 4.6), making it the better overall value despite being founded seven years later.
Explore More Options
Affiliate Disclosure: CreditDoc may earn a commission when you click links to the services featured on this page. Our editorial team independently evaluates all services. Learn more.