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State of Texas - Credit Services Organization Bond

This bond is required for businesses in Texas that offer credit repair or credit improvement services to consumers. These companies help people fix credit problems or improve their credit scores. The state requires this $10,000 bond to protect consumers from dishonest business practices or financial harm. If the credi…

Bond amount$10,000
State or jurisdictionTexas
ObligeeState of Texas

Essential point: Pin down whether this is your bond, then start the application. Ava can confirm the right state and license type if you are not sure.

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Overview

What it is.

This bond is required for businesses in Texas that offer credit repair or credit improvement services to consumers. These companies help people fix credit problems or improve their credit scores. The state requires this $10,000 bond to protect consumers from dishonest business practices or financial harm. If the credi…

Who usually needs it

Credit services organizations (CSOs) in Texas—businesses or individuals providing paid services to improve consumers' credit history/rating, obtain credit extensions, or offer related advice/assistance—must obtain this bond for each business location when registering with the Texas Secretary of State, as required by Texas Finance Code Chapter 393.

Pricing & timing

What to expect.

Generic pricing

License bonds are required by state and local governments to ensure compliance with industry regulations. Typical Pricing:. • Small bonds (under $25,000): Typically $100–$250 per year (flat fee). • Larger license bonds: Commonly around 1–5% of the bond amount annually. • Credit impact: Good credit: starting around 1–2% · Average credit: typically 2–4% · Credit challenges: often 4–5% or higher. Same-day approval is typical for many common license bonds. Some license bonds may price higher depending on the specific bond type, state program, or underwriting requirements.

Your quote determines the actual premium.

Typical timeframe

Issuance timeframe varies by bond type and underwriting

Timing can change when underwriting needs more information.
Application details

How it works.

  1. Start the application

    Confirm the bond and provide applicant and business details.

  2. Review the quote

    See the terms and premium before deciding to continue.

  3. Pay and sign

    Complete the required payment and signatures.

  4. Receive the bond

    Get the issued bond and filing or delivery instructions.

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Next step

Ready to move forward?

Start the secure application with this bond already selected, or ask Ava a question before you begin.

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