Skyrocket Your Credit Score with KosmosCredit
Upload your credit report and let our advanced AI instantly analyze, dispute, and remove negative items automatically. Zero hassle, maximum results.
No credit card required for scan.
How it Works
Three simple steps to a cleaner credit profile.
01. Upload Your Report
Simply upload your credit report PDF. We support all major providers like Experian, Equifax, TransUnion, and MyScoreIQ.
02. AI Deep Scan
Our proprietary AI analyzes every line item — inquiries, collections, late payments — identifying inaccuracies humans miss.
03. Welcome to 700+ club
We build a comprehensive action plan to remove negative items and guide you toward a premium credit score.
Dedicated Personal Manager Assigned Immediately
Your personal manager is attached to your account right after you register and sign the service agreement. They will guide you through the process, answer questions, and track your progress.
Transparent Pricing
After your free AI scan, build a custom relief plan tailored exactly to your credit profile. No hidden fees.
Build Your Relief Plan
Take control with our customized removal strategy.
- ✓ $170 per negative account / bureau
- ✓ Inquiries: from $15
- ✓ Identity Protection Included
- ✓ AI-Powered Dispute Automation
💡 Pay only for confirmed results
Results-Based Pricing
You only pay when we deliver real results.
- ✓ No upfront costs beyond $199
- ✓ Charged only after verified removal
- ✓ $170 per account per bureau removed
- ✓ From $15 per inquiry removed
Additional Services
Beyond dispute removal — optional add-ons to strengthen your credit profile or resolve real debt.
Credit Boost
We add verified, aged, high-limit tradelines to your credit profile — strengthening your credit history and helping you build your score faster.
$500 per line, up to 5 lines
Debt Settlement
If you have an unpaid debt you can't pay in full, we negotiate directly with your creditor for a reduced payoff — typically 20-70% off the original balance, though results aren't guaranteed. If the creditor agrees, the settled amount usually needs to be paid within a short window.
$600 flat fee
Bankruptcy Removal
We dispute the bankruptcy record on your credit report as a Public Record — if it's outdated, inaccurate, or can't be verified by the bureau, we pursue its removal.
$750 flat fee
Card Placement
We help you get approved for new high-limit credit cards — personal or business — to strengthen your credit profile and increase your available credit.
Refer a Friend, Win Together
Share KosmosCredit with someone who needs it — you both get rewarded.
$50 off
For Your Friend
They sign up with your code and get $50 credited toward their Round 1 Service Fee — instantly.
$200 credit
For You
Once your friend makes their first payment, $200 is credited to your account — no limit on how many friends you invite.
Your personal referral code and shareable link are ready as soon as you sign up — find them right on your dashboard.
Get Started & Get Your Code →Frequently Asked Questions
Everything you need to know before getting started.