Better credit solutions for better credit scores.

Our proactive credit repair service takes initiative on your behalf to improve
your credit score by disputing negative remarks on your credit report.

How Cool Credit works?

Ensuring Accuracy

We challenge your questionable negative items with all the three bureaus, ensuring your credit reports are completely accurate and fair.

Verifying Negative items

We ask your creditors to verify the negative items they’re reporting. If they can’t, they are required by law to stop reporting them.

Monitoring Credit

We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your goals.

Cool Credit Pricing & Plans

Pay Per Deletion Model

$100*per item /per bureau

Collections | Charge-offs | Repos | Medical Bills | Late Pays | Foreclosures | Inquiries | Public Record items
such as Bankruptcies | Tax Liens | Judgments | Child Support

No deletions, no payments! You pay only when an item is deleted. Pay over time with Credit Boost's affordable monthly payments.

When you sign up for Cool Credit, you will be charged a one-time fee of $99 ($149 for couples) for the initial setup. This is commonly known as a “first work fee.” This fee covers the setup of your account, the gathering of information, the creation of your custom plan based on your specific situation, and the distribution of your initial communications to credit bureaus and/or creditors. This fee is separate from the “Pay Per Deletion” and monthly credit monitoring fees. Before any work is started, an itemization of costs will be provided for all work and any additional costs which are warranted and agreed to by the consumer.

Pay Per Deletions will only be billed after service has been performed or rendered and are eligible for zero interest Cool Credit Boost. Your on-time payment will be reported to the credit bureaus, which in turn will increase your credit score. A one-time initial $30 will be assessed for account setup.

Credit Shift Program


Have you tried credit repair before without any success?

Apply for our Credit Shift Program, which is a more aggressive and faster-paced model for credit repair.
Our team sets you up with a small business to begin earning small business credit,
which in turn will only increase your credit score.

**Credit Shift is also eligible for Credit Boost payment options.

Everyone is fixing their credit the Cool way.

I highly recommend Cool Credit. Not only are they knowledgeable professionals, but they genuinely care about their customers. I was surprised to hear they were able to remove something that had been on my report for years! Now I’ve made tremendous progress with my credit all thanks to them. What a real lifesaver.

Dave Johnson

I can’t believe how much Cool Credit helped me get my credit back on track. I’ve had bad credit for years, but they were able to find the culprit! They’ve been extremely responsive and supportive throughout the process too. I really couldn’t have done it without them. I have so much gratitude for Cool Credit.

Elina Joseph

I wish I had worked with Cool Credit sooner. There was a point where I thought my credit was beyond the point of return, but Cool Credit has really changed that. I appreciate their hard work that has gone into assisting me with my credit. Thank you Cool Credit.

Peter Carlson

Cool Credit has been absolutely amazing. I wasn’t completely sure how credit repair worked, so Cool Credit made sure to answer every single question I had at my consultation. I know I can really rely on them after they’ve put in so much effort to help me. Cool Credit is a spectacular team.

Joseph Pavamani

I really love Cool Credit. I never believed that credit repair was a thing, but Cool Credit proved me wrong. They’ve not only taught me how it all works, but I can already see the difference in my credit report. I recommend Cool Credit to everyone who needs to repair their credit. Their team is the best, and my credit can attest to that.

Robin J. Adam Sr

Rose Marie from New York improved her Credit Score by 73 points

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Elina Joseph from California improved her Credit Score by 34 points

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Peter C. crossed the 700 Credit Score benchmark.

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Denzel improved his Credit Score by 60 points

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Laura joined the 700+ Club just now.

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Gabriela improved her Credit Score by 75 points

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