Colorado credit services organization bonds.
$100 flat.
Colorado regulates credit-repair companies under the Colorado Credit Services Organization Act, enforced at the Attorney General's office. A $10,000 surety bond is the standard financial-assurance filing for a credit services organization operating in the state. Ours is $100 flat.
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How much does a Colorado credit services organization bond cost?
$100 at the $10,000 amount, the same for every applicant.
Three steps. One sitting.
Credit services organization bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application. No credit check.
Pay & e-sign
This bond is checkout-priced at $100 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the state
Your executed bond arrives by email, ready to file with the Attorney General's Consumer Credit Unit or whichever party your filing requires. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
The Colorado Credit Services Organization Act (C.R.S. 5-19-101 and following) governs companies that charge consumers for improving their credit records — banning advance fees before full performance, deceptive practices, and coaching consumers to mislead credit bureaus. The Act is enforced by the Administrator of the Uniform Consumer Credit Code at the Colorado Attorney General's office.
The $10,000 surety bond is the standard financial-assurance instrument for a credit services organization operating under the Act. It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee) — standing behind your compliance with the Act's consumer protections, with recovery available to consumers harmed by a violation.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond should stay continuously on file for as long as you operate; we track the term and send renewal notices 60 and 30 days out. Confirm your specific filing requirements with the Consumer Credit Unit.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $10,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the state. Your executed bond arrives by email, ready to file with the Attorney General's Consumer Credit Unit or whichever party your filing requires. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $100 at the $10,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Colorado bonds.
The same bond in nearby states.
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Price and requirements checked on the carrier’s application, . Page updated .
Get your credit services bond today.
$100 flat, issued the moment you pay, no credit check. Free until issued.