North Carolina credit repair services bonds.
$100 flat.
North Carolina requires every credit repair business to carry a $10,000 surety bond in favor of the State of North Carolina under G.S. 66-222 — and to name the surety and its address in every customer contract. Ours is $100 flat, the price you see is the checkout price, and the bond issues the moment you pay. No credit check.
Trusted by industry leaders
How much does a North Carolina credit repair services bond cost?
$100 at the $10,000 amount, the same for every applicant.
Three steps. One sitting.
The credit repair bond is a fixed statutory amount at a fixed price. Here is the entire process:
Apply online
Business details, your county, 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.
Put the surety in your contracts
Your executed bond arrives by email with the carrier name and address you must disclose in every credit repair contract under G.S. 66-224(a)(5).
What it is and who needs it.
What the bond actually guarantees
North Carolina regulates credit repair under Article 30 of Chapter 66 — the Credit Repair Services Act. Any business that, for payment, offers to improve a consumer’s credit record, history, or rating must obtain a $10,000 surety bond from a surety authorized to do business in the State, or establish an equivalent trust account at a licensed and insured North Carolina bank. The bond or trust account is in favor of the State of North Carolina.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of North Carolina (the obligee). Any person damaged by your breach of contract, by an obligation arising from it, or by a violation of the Article may bring an action against the bond and recover actual damages up to the bond amount.
The Act also runs through your paperwork: G.S. 66-224(a)(5) requires every credit repair contract to state the name and address of the surety that issued the bond (or of the bank holding the trust account). It is not insurance for you — if the surety pays a claim, you repay the surety. We track the term and send renewal notices 60 and 30 days out.
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
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.
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, your county, an effective date, and a term.
Start the application →Common questions.
Other North Carolina bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Credit repair bond, issued today.
$100 flat, issued the moment you pay, no credit check. Free until issued.