Founded in March 2012 by Gloria Urbina, Cosmo Credit Repair is a Plano, Texas-based credit restoration company serving the Dallas-Fort Worth area for over 14 years. The company targets individuals, families, homebuyers, and entrepreneurs and claims to have served approximately 30,000 clients to date. Cosmo is not BBB-accredited and holds a B− BBB rating. No third-party industry certifications — such as NACSO membership, NFCC affiliation, or HUD approval — are confirmed on the company's website or in publicly available records.
Cosmo's core service is disputing and removing negative items from credit reports by communicating with all three major bureaus — TransUnion, Experian, and Equifax — as well as directly with individual creditors. The company handles a broad range of derogatory items: late payments, collection accounts, charge-offs, repossessions, tax liens, court judgments, and bankruptcies. Pricing is not published; clients pay a combination of a setup fee (amount undisclosed) and a monthly fee the company's own referral program references as up to $99/month. A free initial consultation is offered before any financial commitment. There are no published pricing tiers — cost is determined through direct consultation only.
Cosmo differentiates itself with a 50-point credit score increase guarantee backed by a full money-back refund, a relatively strong promise in the credit repair space. Each client is assigned a dedicated credit manager, and the company claims results can appear as quickly as 30 days. The dispute service is unlimited — clients are not charged per deleted item. A client portal is accessible through the website for case tracking. On Google, Cosmo holds a 4.6-star rating across 349 reviews, which reflects consistently positive client sentiment over time.
For consumers in the DFW area with multiple negative items who are preparing for a mortgage, business loan, or major credit application, Cosmo Credit Repair's dedicated account model, bureau-and-creditor dual approach, and money-back guarantee make it a credible candidate. The drawbacks are real, however: a B− BBB rating with at least one unanswered consumer complaint is a meaningful flag for a service requiring recurring monthly payments. Pricing opacity makes comparison-shopping difficult without going through their sales funnel. The Frisco, TX branch was permanently closed as of December 2025, consolidating all operations to Plano. Consumers outside the DFW region should confirm whether remote service is available before enrolling. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.
