Not in Florida? Browse bonds by state
Florida credit service organization bonds.
$150 flat.
Under Florida’s credit service organization law (Fla. Stat. § 817.7005), a credit repair business may not charge or receive money before fully performing its services unless it has obtained a $10,000 surety bond and established a trust account at a federally insured institution in the state. Ours is $150 flat.
Trusted by industry leaders
Three steps. One sitting.
Credit service 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 entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $150 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
Set up your trust account
Your executed bond arrives by email. Pair it with a trust account at a federally insured Florida institution and the § 817.7005 advance-fee conditions are satisfied. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Part III of Chapter 817 of the Florida Statutes governs credit service organizations — businesses that sell credit repair, credit improvement, or credit-record assistance to consumers. Under § 817.7005, a credit service organization may not charge or receive any money from a buyer before full and complete performance of its services unless it has obtained a $10,000 surety bond issued by a surety admitted in Florida and established a trust account at a federally insured bank or savings and loan in the state, where advance payments are held until services are complete.
It's a three-party arrangement: you (the principal), the surety carrier, and the buyers your business serves. The bond stands behind the consumers who pay you up front — if the organization fails to perform or violates the credit service organization law, the bond is there to answer for it.
It is not insurance for you — if the surety pays a claim, you repay the surety. Under § 817.701, individual salespersons and agents are exempt from the bonding and trust-account requirements when the organization itself maintains them, so one bond covers your team; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
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 Florida bonds.
Credit service organization bond, issued today.
$150 flat, issued the moment you pay, soft pull only. Free until issued.