Pioneering Financial Freedom
KosmosCredit is a premier financial technology brand operated by Zilantix, LLC. Founded on the principle that financial health is a fundamental right, we bridge the gap between complex credit regulations and the families who need them most.
Our Mission
To leverage artificial intelligence to democratize credit repair, providing every American with the tools to rectify inaccuracies and reclaim their financial future.
Our Vision
A world where credit scores are accurate reflections of financial responsibility, untainted by technical errors or outdated data.
The Zilantix Advantage
Headquartered in Austin, Texas, Zilantix LLC DBA KosmosCredit operates as a direct service provider. Unlike lead generation firms, we handle every aspect of your credit restoration journey—from the initial AI-driven deep scan to the physical mailing of custom-tailored dispute packages.
Our proprietary software combines legal logic with modern LLM capabilities to identify discrepancies that manual reviews often miss, ensuring your disputes are grounded in the Fair Credit Reporting Act (FCRA) and other consumer protections.
✓Our Core Commitments
- Absolute Transparency — No hidden fees. Our Results-Based pricing means we only earn when you succeed.
- Regulatory Compliance — Every action we take is strictly aligned with the FCRA, FDCPA, and CROA standards.
- Data Sovereignty — Your sensitive information is secured with bank-grade encryption and is never sold to third parties.