Does a surety bond affect your credit?


Does a surety bond affect your credit?

Having a surety bond does not affect credit, except for one rare case. Let me explain...

A surety bond is a special type of insurance you have to purchase for the protection of:

  • Your customers in most circumstances
  • Government agencies like a Department of Tax
  • People you employ like subcontractors

Having a surety bond does not affect your credit. (Click here to learn the details of what a surety bond is.)

However, when you purchase a surety bond, it's possible you may have to have a soft credit check in order to purchase your bond.

For many bonds like:

Your personal credit is the primary gauge of risk the insurance company uses to underwrite the surety bond.

There are many other bonds like:

That do not require a credit check. And this is due to the smaller bond amounts and the over all less amount of fraud in the particular industry.

 

Get Your Bond Pricing Today

You can get pricing for the surety bond you need. Click the button below. You need to know the amount of your bond.

Need Help? Call Us Today

Talk to a bond specialist today. They will help you find the surety bond you need and get you the lowest possible price. 1-800-608-9950



When Can A Surety Bond Affect Your Credit Score?

The only time having a surety bond can affect your credit score is if you ever have a claim against your bond and you don't pay off the claim.

In this scenario, the insurance company (the surety) you have to pay back will put you in collections which will likely be put on your credit report.

But like I mentioned, this is unlikely.

As long as you never commit fraud and work out any disagreements with your customers, you won't have to worry about claims against your surety bond.

Are You Price Shopping For A Surety Bond Now?

If you're looking to get a surety bond for your business, let us do the price shopping for you.

Click here and tell us about the bond you need.

You quickly discover if you can purchase your surety bond for a low fixed price with no credit check... or if you will need a soft credit check to get pricing.

Either way we will price shop for you and help ensure you pay the smallest amount possible.

If you have any questions, call a bond specialist today (1-800-608-9950) and we'll make sure you get this process done fast and with no mistakes.

 

Get Your Bond Pricing Today

You can get pricing for the surety bond you need. Click the button below. You need to know the amount of your bond.

Need Help? Call Us Today

Talk to a bond specialist today. They will help you find the surety bond you need and get you the lowest possible price. 1-800-608-9950



See More Surety Bond FAQ


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