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About MyCreditGroup

My Credit Group started in 2000 under the name Credit Research Group. To be honest, we forgot why we changed the name. But we did, and in 2004 launched the website.

Twenty-three years later, and with the support of tens of thousands of customers, big and small, MyCreditGroup is a household name in the credit community.

About MyCreditGroup

Mission Statement:

At MyCreditGroup, our mission is to empower our clients with expert, ethical, and trustworthy financial solutions. We are dedicated to delivering impactful results and fostering long-term relationships based on transparency, reliability, and a commitment to excellence.

Our goal is to create a positive and equitable financial future for all our clients and to be the trusted partner they turn to for all their credit needs.

Our management team

Mangolein Koza

Founder & CEO

Mangolein Koza, CEO of MyCreditGroup, is a seasoned credit expert, and with 19 years of experience, she is one of the pioneers and highly respected professionals in the industry, trusted by thousands of consumers, banks, and mortgage professionals.

She has a real estate background and is certified under the Fair Credit Reporting Act.

Kay Johsi

Product Development

Meet Kay Joshi, the driving force behind the product development team at MyCreditGroup. Kay has a  business degree from Tarleton University and a passion for delivering top-notch services.

As the head of product development, Kay’s focus is ensuring that MyCreditGroup clients receive the right services at the right prices.

Marc Chase

Financial Planning

Marc Chase is a retired investment advisor with a wealth of financial experience. Throughout his career, Marc has worked under the VP of Sales of Merrill Lynch and for hedge funds and private money firms.

At MyCreditGroup, Marc puts his expertise to work by handling retirement planning and budgeting-related content.

Sherry Mahoney

Debt Settlement

Who better to deal with your debt collectors, than a debt collector? Meet Sherry Mahoney, the leader of the debt settlement department at MyCreditGroup. With a former debt collector background, Sherry brings a wealth of industry knowledge and experience to the table.

Sherry knows exactly how to get our clients the best deals

Customer Testimonials

I’ve gotten excellent feedback from those who’ve been assisted by the company; they appreciate the professionalism of the My Credit Group team and are comforted by knowing they’re (Marines) not being taken advantage of.

— Gerald Williams | U.S.  Department of Defense

Dear Mangie, I just wanted to take a moment and thank you for all the work and hours you have put repairing my credit so far.Im so grateful that I’am one of your clients.

I just wanted to say thanks again and keep up the good work! Happy holidays to you and your family .

— Gussie N.

Hello, Susan – Just want to reach out and thank you for the amazing work you have done for me. You have taken me from a credit score of High Risk to a respectable fair rating to date. Based on your advice I am now taking the steps to re-build my credit, etc. YOU ROCK!

— Salvador C.

Dear Susan,

Your help has been invaluable and your professionalism is a credit to you and your organization. I appreciate all your efforts and will certainly recommend you and My Credit Group to our friends.

— Robert


We met with our new lender today and she pulled our credit – we are now at the point we need to be. You have done a great job for us and we are thrilled with the service you have provided.

— Deb T.

MyCreditGroup has completely changed my mind about getting help with my credit. The first phone call I received from MCG took over an hour. Honestly, I loved the personal attention and knew that my credit was finally in good hands……….much more capable than mine, obviously.

— Andy

Thank you Christina you have been a gem!! My score finally reached 638! We are deciding between two properties now. I will be referring your agency to everyone I know. If you have supervisor that I can write a letter of appreciation to you or a testimonial website, I would be happy to write something on your behalf to sow how much we appreciate all your diligence and hard work.

— Steven G.

I’ve had the pleasure of working with the guys and girls at My Credit Group for the past few months and I’m happy to say the least. While their fees are much less than their competitors, the results are more than impressive. I’ve seen credit scores go from the 540s to 700s in 30 days.

— Sadiki Pierre | Albany Group

Fortunately I found My Credit Group. They did an outstanding job and lived up to every promise. The service was impeccable but more importantly their accomplishing what we set out to do speaks volumes. They are trustworthy, professional and utilize very good software to track and share everything that is going on. Excellent job Susan and team!! If you are looking for credit repair and you are reading this then your search is over!

— Matt Whit

Our Prices - MyCreditGroup

Our promise to you

Credit repair isn’t the most honest industry in the world. To do the job right, it takes a lot of work, a lot of patience, and a lot of honesty. But we care about our company, and we care about how our clients feel about us.

So we’re making two promises:

1: We will always be honest: If we think we can help, there’s a good chance we can. If we don’t think we can, we’ll tell you that too.

2: We’ll use every tool possible: We’re not a dispute mill. When you put your trust in us, we’ll use every tool possible to get the job done right.

If you’re considering putting your trust in us, we truly appreciate it and look forward to meeting you.

CEO Promise

Contact Us

If you have any questions or would like to learn more about how MyCreditGroup can help you achieve your financial goals, please don’t hesitate to get in touch. Our team of experts is always available to answer your questions and provide you with the support you need.

Office Location

431 N. Graham St. # 1772
Stephenville, Texas 76401

Phone Number


Send a Message

Privacy and Security

At MyCreditGroup, we take the privacy and security of our clients’ information seriously. We have implemented strict security protocols to ensure that your information is protected at all times. We are fully compliant with all relevant privacy and security regulations, and we are committed to maintaining the highest standards of privacy and security for our clients.

Read our privacy policy here.

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