If your credit is not great, you might worry you cannot get bonded. The truth is you almost always can. It may cost a bit more for now, but you have real options. Here is how it works.

Why credit affects the answer

A bond company covers you if you break your promise, then you repay them. So they look at credit to judge risk. Weaker credit looks like higher risk, which means a higher rate. But higher risk is not the same as no.

Option 1: standard markets that allow lower credit

Not every bond company uses the same rules. Some write bonds for people with weaker credit at a fair price. A good agency knows which markets those are. Junno Surety shops several, so we are not stuck with one yes or no.

Option 2: bonds that ignore credit

Some bonds barely look at credit at all. Many notary bonds, small license bonds, and ERISA bonds are low risk and priced the same for everyone. If your bond is one of these, your credit may not matter.

Option 3: improve and re-shop

If you start with a higher rate, that is not forever. Pay bills on time, lower your card balances, and fix report errors. When your credit improves, we re-shop your bond and lower your cost at renewal.

The takeaway

Do not assume you are out of luck. Tell us your situation honestly, including your credit. We will find the best market for you today and help you pay less tomorrow. The goal is to get you bonded and working, not to judge your score.

Related guide: Read the Freight Broker Bond guide.