Experiments have revealed that biological cells exhibit a universal power-law rheology, but the underlying mechanisms remain elusive. Here, we present a minimal model to explain the power-law creep of cell cortex, which is abstracted as chains of crosslinkers with random binding energies. Using this model, we show that when both the load and chain length are small, the logarithm of both the strain and time scales with the fraction of unbound crosslinkers, leading to power-law creep with a constant exponent, as observed in many experiments. Increasing the load alters the latter relationship between time and unbinding fraction, and thus, increases the power-law exponent, explaining the stress-induced nonlinearity in some experiments. Increasing the chain length alters this relationship as well, and as a result, the exponent grows proportionally with the chain length, explaining the crosslinker-density-induced nonlinearity in other experiments. This work provides a mesoscopic explanation for the linear and nonlinear power-law creep of cell cortex and may serve as a basis for understanding the cytoskeletal mechanics.