How much does a CROA surety bond cost?

CROA surety bond costs vary by state. California requires a $1,872/yr bond, New York $2,500, Florida has $5K+ fine risk, and Texas requires Attorney General registration (free). Bond premiums are typically 1-15% of the total bond amount based on your credit score.

Do all states require a credit repair surety bond?

No. Only about 25 states require surety bonds for credit repair organizations. Some states like Texas require AG registration instead. States without bond requirements still enforce CROA compliance. Use our calculator to check your specific state.

What happens if I operate without a CROA bond?

Operating without a required surety bond can result in fines from $1,000 to $25,000 per violation, business license revocation, personal liability, and potential criminal charges. Florida alone has $5,000+ minimum fines.

How fast can I get a CROA surety bond?

Most surety bonds can be obtained in 24-72 hours. Online providers like SuretyOne and JW Surety offer same-day quotes with 15-minute applications. Good credit (700+) gets instant approval at the lowest premiums.

Does Credit Repair Cloud help with CROA bond compliance?

Credit Repair Cloud provides CROA-compliant contract templates and workflow automation, but does not procure surety bonds. CreditAIPro's 53+ free tools include CROA compliance checkers, bond calculators, and startup checklists to guide you through the full compliance process.

80% OF NEW AGENCIES FAIL ON BONDING

CROA Surety Bond Calculator

CA: $1,872/yr|TX: Free|FL: $5K+ Fines

80%

Fail on Bonding

States Covered

$25K

Max Fines

53+

Compliance Tools

Your CROA Bond Requirements50 states + D.C. covered

Your State

Year 1 Revenue

$75K

Monthly Clients

Your Credit Score

700(Best Rates)

Business Structure

How the CROA Bond Calculator Works

Select Your State

Choose from all 50 states + D.C. Each has unique bond requirements, fine structures, and registration processes. States like California require $100K bonds while Texas is free.

Enter Business Details

Input Year 1 revenue projection, monthly client volume, business structure, and credit score. Your credit score directly impacts bond premium rates (1-15% of bond amount).

Get Instant Compliance Breakdown

Receive your exact bond cost, annual premium estimate, fine risk range, recommended bond providers, application timeline, and a compliance checklist tailored to your state.

Frequently Asked Questions

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