Oklahoma credit services organization bonds.
$150 flat.
Oklahoma licenses credit services organizations through the Department of Consumer Credit, and 24 O.S. § 133 requires a $10,000 surety bond from an organization that charges or receives money before its services are fully performed. Ours is $150 flat.
Trusted by industry leaders
How much does an Oklahoma credit services organization bond cost?
$150 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 financial statements, and the credit screen it authorizes 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.
File with the Department of Consumer Credit
Your executed bond arrives by email, ready to file with your credit services organization license application. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Oklahoma regulates credit repair and credit-improvement businesses under the Credit Services Organization Act, 24 O.S. §§ 131–148. Before a credit services organization may charge or receive money from a buyer prior to full performance of the services it sold, 24 O.S. § 133 requires a $10,000 surety bond issued by a surety company admitted to do business in Oklahoma, together with a trust account at a federally insured bank or savings and loan located in the state.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of Oklahoma (the obligee), with buyers as the protected parties. The bond stands behind your compliance with the Act — the written contract, the information statement, and the cancellation rights every buyer is owed. A buyer damaged by a violation can recover against it.
It is not insurance for you — if the surety pays a claim, you repay the surety. Licenses issued by the Department of Consumer Credit run one year beginning January 1, so the bond has to stay continuously on file; 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
File with the Department of Consumer Credit. Your executed bond arrives by email, ready to file with your credit services organization license application. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $150 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.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Oklahoma bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your credit services organization license today.
$150 flat, issued the moment you pay, soft pull only. Free until issued.