Not in Texas? Browse bonds by state
Texas 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. Each is a $10,000 bond in favor of the State, with a copy filed with the Secretary of State. Ours is $150 flat.
Trusted by industry leaders
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 application. No credit check.
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
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 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 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.
No credit check.
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.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
File your CSO bond today.
$150 flat per location, issued the moment you pay, no credit check. Free until issued.