Texas Credit Repair & State Laws – The Complete 2025 Guide
Written by the team at Best Texas Credit Pros – we’re registered, bonded, and prouder than heck to serve Texans the right way.
DISCLAIMER: This page is not legal advice. We keep everything as current as possible, but laws can change. Always verify with the official Texas Finance Code or consult an attorney before making decisions. The full legal text starts at Texas Finance Code § 393.001 et seq.
Why Texas Laws Actually Matter to YOU
Here’s the truth most out-of-state “credit sweep” companies won’t tell you: Texas credit repair laws apply to the consumer’s location, not where the company is based. If you live in Texas, every single company you hire has to follow Texas Finance Code Chapter 393 – no exceptions, no loopholes.
We love these laws because they separate the real players from the scammers. And yes – we follow every single rule to the letter (and then some).
Oversight & Contact Info
- Department: Texas Secretary of State
- Address: P.O. Box 12887, Austin, Texas 78711-2887
- Phone: 1-800-735-2989
Registration Requirements in Texas
| Requirement | Details |
|---|---|
| Registration required? | YES – annually with the Secretary of State |
| Registration fee | $100 |
| Statute | Tex. Fin. Code § 393.101–104 |
We’re fully registered every single year. Ask us for our registration number anytime – we’ll happily show it off.
Surety Bond Requirement
| Requirement | Details |
|---|---|
| Bond required? | YES |
| Amount | $10,000 |
| Purpose | Protects YOU if the company breaks the law or disappears with your money |
| Statute | Tex. Fin. Code § 393.401 |
Our $10,000 bond is active right now. That’s real protection for every single client we serve.
Contract & Disclosure Requirements
Texas law (and federal CROA) demands a written contract with very specific language. Here’s exactly what must be in it (Tex. Fin. Code § 393.105–106, § 393.201–204):
- Full description of services and total cost
- Your right to cancel within 3 days with zero penalty
- Details about the $10,000 bond and how to make a claim
- Your federal rights to see your credit reports for free or low cost
- Clear statement that no one can permanently remove accurate negative items
- Exact payment schedule and estimated timeline (max 180 days)
Who Is Exempt From Registering as a Credit Repair Organization?
Not everyone has to register. Here are the exemptions (Tex. Fin. Code § 393.002):
- Licensed Texas attorneys (acting as attorneys)
- Real estate brokers/salespersons (within scope)
- Mortgage brokers & loan officers
- 501(c)(3) nonprofits
- Banks, credit unions, and federally insured institutions
Everyone else charging for credit repair? They must be registered and bonded.
What’s 100% Illegal in Texas (Don’t Let Anyone Do This to You)
- Charging upfront fees before all promised work is completed (unless the $10,000 bond is posted)
- Guaranteeing to “erase bad credit” or promising a specific score increase
- Telling you to lie on a credit application
- Advertising credit repair services without being registered
- Taking away your right to cancel within 3 days
These are not “gray areas” – they’re Class B misdemeanors in Texas.
Your Rights Under Texas Law – The Full List
- Cancel anytime within 3 business days – full refund, no questions asked
- See every document we sign you to
- File a claim against our $10,000 bond if we ever wrong you
- Sue for actual damages + attorney fees + punitive damages if violated
- Waivers of these rights are VOID in Texas (Tex. Fin. Code § 393.003)
Where to Read the Full, Official Law
Texas Finance Code Chapter 393 – Credit Services Organizations (the entire statute, updated regularly by the Texas Legislature).
Ready to Fix Your Credit the Texas Way?
We’re registered, bonded, and obsessed with results – 100% compliant and 100% on your side.
Best Texas Credit Pros
Proudly serving Texans with integrity, transparency, and real results since day one.