Wisconsin credit services organization bonds.
$375.
Wisconsin requires a credit services organization, a business that offers to improve a buyer's credit record or obtain an extension of credit for a buyer, to obtain a $25,000 surety bond under Wis. Stat. 422.502(3), with a copy filed with the administrator. At 1.5% of the bond amount, that prices at $375.
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How much does a Wisconsin credit services organization bond cost?
$375 for the $25,000 bond: 1.5% of the bond amount.
Three steps. One sitting.
Credit services organization bonds are a straightforward filing. Here's 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 1.5% of the $25,000 bond — $375 — so it issues the moment you pay. Your executed bond and power of attorney generate on the spot.
File a copy with the administrator
Your executed bond arrives by email, ready to file with the administrator along with your registration statement. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
A credit services organization under the Wisconsin Consumer Act is a person who sells, provides, or performs (or represents that they can) services to improve a buyer's credit record, history, or rating, or to obtain an extension of credit for a buyer. Wis. Stat. 422.502 conditions doing business on posting security.
The organization must obtain a surety bond or letter of credit in an amount equal to $25,000, and file a copy with the administrator. The bond is in favor of the State of Wisconsin for the benefit of any person who is damaged by a violation of the subchapter — a consumer who was charged for services never delivered, for example, can proceed against it.
It is not insurance for you — if the surety pays a claim, you repay the surety. The security has to stay in place for as long as you operate as a credit services organization; 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 $25,000 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 a copy with the administrator. Your executed bond arrives by email, ready to file with the administrator along with your registration statement. Wet-ink original mailed on request.
What sets the price
The premium is 1.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not 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 Wisconsin bonds.
The same bond in nearby states.
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Price and requirements checked on the carrier’s application, . Page updated .
Post your $25,000 CSO bond today.
1.5% of the bond amount — $375, issued the moment you pay. Free until issued.