What You Need to Know about the 700Credit Data Breach

700Credit is the major provider of credit reports, fraud detection, identity verification, soft pull credit data, and compliance solutions in powersports, marine dealerships, and automotive in the United States. Based in Michigan, it offers solutions for over 21,000 clients and has more than 250 integration partners, while also managing vital data security for millions of consumers.

The credit report and identity verification services provider in the automotive business recently suffered a massive security incident in which over 5.8 million people were reportedly affected. According to reports by 700Credit, the hackers gained access into the service provider’s system through a compromised third-party Application Programming Interface (API) linked to the 700Credit web application. Following this, the bad actors were able to access consumers’ personally identifiable information (PII), including names, social security numbers, dates of birth, and addresses.

In a statement on the company’s website, 700Credit noted that cybersecurity experts’ investigation into the incident determined that certain records in the web application relating to customers of its dealership were copied without authorization. Furthermore, the experts did not identify any impact on the company’s internal network, and they confirmed that all the hackers’ activity is limited within the 700Dealer.com application layer. They also found no operational impact on the service provider’s business. 

700Credit has confirmed that there is currently no proof of fraud, identity theft, or other misuse of the compromised data. However, affected consumers are being given 12-month identity protection and credit monitoring free of charge. 

When Was the 700Credit Data Breach?

700Credit discovered the recent data incident on October 25, 2025, but the hacker reportedly gained access to the service provider’s system through a third-party API and stole personal information collected from dealers between May and October. The company did not notify the public until November 21, 2025.

The service provider communicates with more than 250 integration partners through APIs. Unfortunately, one of these partners was compromised in July 2025 but failed to notify 700Credit, which exposed an API that the unnamed cybercriminals used to pull consumer data. Upon discovering the exposure, 700Credit promptly notified the Federal Bureau of Investigation (FBI) and the Federal Trade Commission (FTC). It confirmed with the FTC that the company’s filing on behalf of all dealers in its customer base is sufficient to meet their (dealer) obligations to notify the FTC.

Although 700Credit managed to shut down the compromised API, the hackers still managed to obtain about 20% of the company’s consumer information. The company has stated it is sending notification letters by mail to customers whose sensitive information was stolen in the data incident, and it is offering credit monitoring service.

How to Check If Your Data Was Breached

The service provider has mailed detailed letters to all impacted dealers and will begin sending letters to consumers affected by the breach on December 22, 2025. You will get the notification by mail if your data was stolen in the incident. While waiting, you can check any of the popular breach-check websites to see if your data was leaked in a data breach or appeared in recent data dumps on the dark web using your email address. Additionally, continue to look up the company’s updates on its website.

However, if you have received any suspicious emails or SMS recently from sources claiming to be from 700Credit or a dealership in its customer base, your data might have been breached. As a dealer, check your login history on your QuickMobile App and be sure to look out for unknown logins. Any unknown login or a password reset message you did not request may indicate that your information was leaked in the data breach.    

What to Do If Your Data Was Breached

If you suspect your data was breached in the 700Credit incident, contact the company at (866) 273-0345 for questions about the breach. Afterward, consider enabling two-factor authentication where possible, change passwords on online accounts, and review your financial accounts for unusual activity. If and when you receive a notification letter from the service provider, promptly enroll in the 12-month free credit monitoring the company is offering.

Furthermore, be sure to monitor your financial accounts for suspicious activity. Review your credit reports regularly for unusual accounts or inquiries. You should also consider placing a fraud alert on your credit reports. Another step worthy of taking is freezing your credit to prevent unauthorized access to new accounts.

If you are a dealer, you must do the following immediately:

• Contact 700Credit and request a full list of affected customers under your dealership, their states of residence, and the specific leaked information for each customer.
• Inform your insurance carrier and carefully review your 700Credit for any possible indemnification rights for breach claims.
• Arrange an internal contact point for customer and regulatory inquiries.

Are There Any Lawsuits Because of the Data Breach?

There are no lawsuits as of the most recent disclosures. However, several law firms are evaluating legal options, including potential class action lawsuits, to seek damages on behalf of customers whose data was compromised in the 700Credit data breach. 

Can My 700Credit Information Be Used for Identity Theft?

Yes, data leaked in the 700Credit security incident can facilitate identity theft. Exposed information included confidential personal data, such as consumers’ names, addresses, social security numbers, and dates of birth. These are all sufficient pieces of information for cybercriminals to commit identity theft.

When hackers steal personal information in a data breach, they may sell the stolen data on the dark web or use it for financial fraud or identity theft. Those buying stolen data on the dark web can also potentially use the information for identity theft or to extort you. For example, an unauthorized person can use any of the compromised information to open a new account in your name or make a purchase without your permission.

Furthermore, with your social security number, someone can open new lines of credit, get a job, apply for loans, and file fraudulent tax returns while impersonating you. They could also create synthetic identities, which are often difficult to detect. Moreover, pieces of personal information such as your full name, date of birth, and address are enough to profile and target you with phishing attacks. Hackers are capable of committing more severe fraud when they combine the information leaked in the 700Credit data breach with other stolen data. 

What Can You Do to Protect Yourself Online?

When any company you believe might hold your data confirms that some of its customers may be affected in a data breach, it is best to assume you are included and that your information may have been stolen. While waiting to be notified by a letter or other means, you can take extra steps to protect yourself online by doing one or more of the following:

• Reset passwords on your online accounts, and do not use the same password across those accounts. If you use the same password on multiple accounts, change it as quickly as possible. In addition, make sure to set strong, difficult-to-guess passwords using a combination of letters (lower and upper case), numbers, and special characters.
• Use free, public Wi-Fi with caution, as many have few security measures in place. If you have to use one, avoid sharing sensitive personal or financial information over the network because others using the same network could easily access your activity or steal confidential information. Consider using your password-protected home network when you need to share personal or financial details over the internet.
• Pay attention to all activity on your financial accounts, including bank accounts, credit cards, and credit reports. Read your statements and check closely for suspicious transactions. You can consider signing up for a credit monitoring service.
• Check the top of your browser to know if a site is secure before entering personal information. A lock symbol on the browser and a URL that begins with “https” indicate that a website is secure. 
• Install anti-spyware software, anti-virus software, and a firewall on your computer for additional protection. Additionally, remember to install updates for this software and other applications on your internet devices as soon as they are released.
• Be cautious when opening links and attachments. Cybercriminals often compose phishing scams to appear like legitimate communications from trusted organizations or companies, particularly those with your data, including utility companies and banks.
• Enable multi-factor authentication across your online account logins where possible for an additional layer of security, especially for banking, email, and other sensitive accounts.
• Consider signing up for identity theft protection services for additional peace of mind. These services work preemptively by alerting you when your data is leaked before any damage is done.

Continue to educate yourself regarding fraud alerts, identity theft, credit freezes, and the right steps you can take to protect your personal information online through websites like IDStrong.