OH credit services organization bonds.
$750 flat.
Ohio requires a credit services organization — the credit-repair and credit-improvement businesses covered by ORC Chapter 4712 — to obtain a $50,000 surety bond under ORC 4712.06 and file a copy with the Division of Financial Institutions. Ours is $750 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
Ohio's credit services organization filing is one of the simpler surety errands. Here is the entire process:
Apply online
Business details, ownership, an effective date, and a term. That is the entire application, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $750 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Division
Your executed bond arrives by email, ready to file with the Ohio Division of Financial Institutions as ORC 4712.06 requires. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Ohio regulates credit services organizations under the Ohio Credit Services Organization Act, ORC Chapter 4712 — businesses that sell, provide, or perform services to improve a buyer's credit record, history, or rating, or that arrange for someone else to do it. ORC 4712.06 requires a $50,000 surety bond, with a copy filed with the Division of Financial Institutions.
The bond runs in favor of any person, and of the state for the benefit of any person, injured by a violation of ORC 4712.01 to 4712.14 — the disclosure, written-contract, cancellation-right, and advance-fee rules the Act imposes. The surety's aggregate liability to everyone injured is capped at the bond amount, and punitive damages are excluded.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond also has a long tail: ORC 4712.06 requires it to be maintained and in effect for at least two years after the organization stops doing business in Ohio. 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, ownership, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Ohio bonds.
File your credit services organization bond today.
$750 flat, issued the moment you pay, soft pull only. Free until issued.