Texas Credit Services Organization Bond

Purchase your bond instantly online when you choose one of the 3 term options below. Save time and money by extending your bond term. Choosing a longer term now means you pay 25% less for your bond each year and forego the annual renewal process.


1 year term



2 year term - save $37.50!



3 year term - save $75.00!

We offer 24/7 instant email delivery. Buy your bond now to get it within 6 minutes!


Backed by SSL, our online bonding process is secure. We are committed to your privacy.


We shop the top surety markets to find you the best rate.


We’ve streamlined the bonding process to make your experience as fast and easy as possible.

How much does a Texas credit services organization surety bond cost? 

Texas credit services organization bonds cost $150 annually. SuretyBonds.com also offers a multi-year-discount for extended credit service organization bond terms, which allows you to save money and skip the renewal process next year! You can purchase a 2-year CSO bond for $263 or a 3-year CSO bond for $375.

How do you get a credit service organization bond in Texas?

You can purchase your credit service organization bond online 24/7. You'll just need to provide your CSO name and business address for Secretary of State filing approval. Once your payment is received, your official CSO bond documents will be emailed to you instantly. 

How fast can I get a credit services organization bond?

SuretyBonds.com offers instant Texas credit services organization bond delivery 24/7. Buy your bond now to receive your official credit repair company bond delivered in minutes by email. 

Bond Type
$10,000Credit Services Organization Bond

What is a Texas credit services organization bond? 

Texas Finance Code 393.302 requires individuals file a $10,000 surety bond before being licensed to work as a credit services organization. State bond form #2802 is officially titled the “Credit Services Organization Surety Bond” and is also known as the “CSO bond” or the “credit repair company bond.” This bond specifically requires credit service organizations operate according to Texas Finance Code Chapter 393 and protects any person damaged by a CSO's noncompliance. 

Why do I need a surety bond for credit repair services?

You must file this surety bond to fulfill state licensing requirements before you can provide credit repair services. By filing a credit services organization bond, you agree to operate your business according to Finance Code Chapter 393. If you fail to do so, your issuing surety company will pay valid claims up to the full $10,000 bond amount to the state or individuals harmed by your noncompliance. 

Who regulates licensing for credit services organizations? 

The Texas Secretary of State enforces all licensing requirements for credit services organizations, including the $10,000 bond amount requirement. If you have questions about your application or current license status, you can call the SOS Registrations Unit at 1(512)475-0775

Who needs a Texas credit services organization surety bond?

All credit services organizations in the state must be licensed and bonded before providing credit repair services. The Texas Finance Code requires each business location to file a separate surety bond with the Secretary of State. The SOS advises you mail your official bond to the following address. 

Registrations Unit
P.O. Box 13550
Austin, Texas 78711-3550 

You can also deliver your bond to the SOS in person. 

James Earl Rudder Office Building
1019 Brazos, 5th Floor 
Austin, Texas 78701

How do I update or change my credit service organization bond form? 

If the Secretary of State requires your surety bond documentation to be updated for any reason, contact your surety provider. If you purchased your bond from SuretyBonds.com, email [email protected] to explain the needed change. The most common changes requested for these bonds are the CSO's name or business address.

How do I renew my credit repair services bond? 

You must renew your Texas credit services organization bond before its current term expires. Once you pay your SuretyBonds.com renewal invoice, renewal instructions will be emailed to you to keep your bond active for your next license term.

How do credit services organizations apply for registration in Texas?

Complete the following steps to apply for your Texas credit services organization registration.

  1. Register with the Secretary of State.
  2. Submit an application. 
  3. Pay the registration fee. 
  4. Purchase and file a $10,000 surety bond. 

Each registration is effective for 1 year and must be renewed annually.

What can Texas credit services organizations do to avoid claims against your bond?  

To avoid claims filed against your bond, you must operate your CSO according to state laws. Texas Finance Code Chapter 393 specifically prohibits credit services organizations from committing the following acts, among others.

  • making or using a false or misleading sales representation
  • guaranteeing to “erase bad credit”
  • guaranteeing to extend consumer credit
  • making a false statement about a consumer's credit worthiness to a consumer reporting agency

Call 1 (800) 308-4358 to talk with a Surety Expert