TX credit services organization bonds.
$150 flat.
Before a credit services organization charges a Texas consumer in advance of finishing its work, Finance Code §393.302 requires a surety bond for each of its locations, and §§393.401–393.404 set that bond at $10,000, in favor of the State, with a copy filed with the Secretary of State. Ours is $150 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.
CSO registration bonds are a fixed-amount, fixed-price filing. Here is 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.
File with the Secretary of State
A copy of the executed bond goes to the Texas Secretary of State with your CSO registration statement, on the state Credit Services Organization Surety Bond form. Wet-ink original mailed on request.
What it is and who needs it.
What the CSO bond actually guarantees
Chapter 393 of the Texas Finance Code governs credit services organizations — businesses that, for a fee, improve a buyer's credit record or obtain an extension of credit for a buyer. Section 393.302 bars the organization from charging a consumer before it has completely performed its services unless it has obtained a surety bond, or established a surety account, for each of its locations in accordance with Subchapter E. Subchapter E fixes that security at $10,000 (§393.403) and requires a copy of the bond to be filed with the Secretary of State (§393.401), alongside the registration statement §393.101 requires before the organization conducts business in Texas.
The security runs in favor of the State of Texas for the benefit of any person damaged by a violation of Chapter 393 — the disclosure, contract, and cancellation-right rules that protect a Texas buyer of credit-repair services. A separate $10,000 bond or account is required for each location at which the organization does business.
It is not insurance for you — if the surety pays a claim, you repay the surety. The registration statement and the bond have to stay current, so we track the term you buy 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 Texas bonds.
File your CSO bond today.
$150 flat per location, issued the moment you pay, soft pull only. Free until issued.