700Credit Data Breach Exposes 8.4M Records

On Oct. 25, 2025, 700Credit, LLC, a leading provider of credit reports and compliance solutions for automotive dealerships, experienced a significant data breach affecting millions of consumers nationwide. The breach disclosed personally identifiable information (PII) of potentially a significant number of individuals across the U.S.

The breach was first detected when the company noticed suspicious activity within its web application. After engaging third-party forensic specialists, 700Credit determined that an unauthorized party had copied records from its web application containing sensitive customer data.

According to a posting made on Nov. 16, 2025, on an open web hacking forum, a threat actor known as ROOTBOY claimed responsibility and advertised the sale of 8.4 million customer records allegedly obtained from 700Credit.

The investigation revealed that the compromised records included full names, addresses, dates of birth, and Social Security numbers. The exposed data set reportedly included employment information in addition to the aforementioned PII.

The breach was officially disclosed to the California and Maine Attorney Generals' offices on Dec. 12, 2025.

700Credit's response

As part of its response, 700Credit is reviewing and updating its policies, procedures, and processes related to the storage and access of personal information to help prevent similar incidents in the future. For those affected, 700Credit is offering complimentary credit monitoring services through Cyberscout, a TransUnion company.

If you receive notification from 700Credit about this breach, you may want to:

• Sign up for the free Cyberscout credit monitoring services, offered by 700Credit.
• Monitor your credit reports and financial accounts for any unusual activity.
• Be alert for phishing emails or phone calls that may use your exposed information.
• Consider placing a fraud alert or credit freeze with major credit bureaus.

For affected individuals with questions, 700credit has set up a call center at 833-586-1820, Monday through Friday, 8 a.m. to 6 p.m. ET.