WI credit services organization bonds.
1.5% of the bond amount.
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 surety bond of $25,000 under Wis. Stat. 422.502(3), in favor of the state for the benefit of anyone damaged by a violation, with a copy filed with the administrator. At 1.5% of the bond amount, that prices at $375, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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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 entire application — any credit screen is a soft pull that never shows as a hard inquiry.
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
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.
Post your $25,000 CSO bond today.
1.5% of the bond amount — $375, issued the moment you pay. Free until issued.