700 Credit, LLC

What 700 Credit, LLC does

700 Credit, LLC is a US-based credit reporting agency and compliance software provider founded in 2000 and headquartered in Southfield, Michigan. The company delivers credit reporting, soft-pull prequalification, identity verification, synthetic-fraud detection, driver's license authentication, and FTC Safeguards Rule compliance solutions to automotive, RV, Powersports, and Marine dealerships. Its technical core is a multi-bureau integration platform that routes credit and identity data from Equifax, TransUnion, and Experian into dealer-facing systems through both the 700Dealer.com portal and a network of 220+ integration partners covering DMS, service lane, F&I, CRM, sales, and desking platforms; the company reports processing more than 1,000,000 credit reports per day and is trusted by 21,000+ dealerships.

The product portfolio spans four core lines (Credit Reports including QuickApplication and Insight Score for Auto; Soft Pull Solutions including QuickQualify, QuickScreen, and QuickMobile; Identity Verification including QuickScan, ID Drive, synthetic ID fraud detection, QuickDocs, and income/employment verification; and Compliance Solutions anchored on 2022 FTC Safeguards Rule support and electronic deal jackets), plus lead generation tools (Direct Mail, Quick Prospect Renewal). Monitization is primarily subscription/transactional recurring revenue from dealers, augmented by an aggressive revenue-share model for integration partners that aligns channel incentives. The company's go-to-market is B2B channel-led, supplemented by content marketing through Ken's Corner blog posts, on-demand webinars, and the 700Credit podcast.

In 2025, 700Credit disclosed a network breach via a third-party partner exposing personal data of approximately 5,836,521 individuals including Social Security numbers, triggering multi-state notifications and class-action investigation; this event represents a material reputational and regulatory risk that the company must manage alongside its ongoing channel and product expansion (including 2026 alliances with Verifacto and xDeskPro embedding its stack deeper into cloud-native dealer and desking workflows).

Name

700 Credit, LLC

Legal name

700Credit, LLC

Website

https://700credit.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

700 Credit, LLC is a US credit reporting and compliance software provider serving 21,000+ automotive, RV, Powersports, and Marine dealerships with multi-bureau credit reports, soft-pull prequalification, identity verification, synthetic fraud detection, and FTC Safeguards Rule compliance integrated across 220+ dealer software platforms.

Ownership category

akta.pro rank

Product category

Credit Reporting and Compliance Software

NAICS

Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

Keywords

• Credit reporting services
• Automotive compliance software
• Identity verification solutions
• Soft pull prequalification
• Dealer management integration

Headquarters

HQ city

Southfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Reporting Services: Processing credit reports through integration with Equifax, TransUnion, and Experian for automotive, RV, Powersports and Marine dealerships
2. Soft Pull Prequalification: Soft pull credit data and prequalification services for dealers to screen consumers early in the sales process
3. Identity Verification & Fraud Detection: ID verification, driver's license authentication, synthetic ID fraud detection, and document capture services
4. Compliance Solutions: Compliance solutions including FTC Safeguards Rule compliance and training for dealers
5. Lead Generation: Direct mail campaigns targeting customers based on FICO score and credit filters

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

700Credit provides a credit reporting and compliance software platform that integrates Equifax, TransUnion, and Experian credit data into automotive, RV, Powersports, and Marine dealership workflows. The platform delivers real-time credit reports, soft pull prequalification, identity verification with driver's license authentication, synthetic fraud detection, and FTC Safeguards Rule compliance solutions, accessible through the 700Dealer.com portal and 220+ API integrations with dealer management systems.

Product overview

700Credit offers a comprehensive suite of credit reporting, compliance, identity verification, and lead generation solutions for automotive, RV, Powersports and Marine dealerships. The platform integrates with major credit bureaus (TransUnion, Experian, Equifax) and offers multiple delivery mechanisms including the 700Dealer.com portal, integration partnerships with DMS/F&I/CRM/desking platforms, and mobile applications. Core products include Credit Reports with QuickApplication and Insight Score for Auto, Compliance Solutions with FTC Safeguards Rule support, Soft Pull Solutions (QuickQualify, QuickScreen, QuickMobile), Identity Verification with driver's license authentication (QuickScan, ID Drive), and Lead Generation tools (Direct Mail, Quick Prospect Renewal). The portfolio supports the full dealership workflow from initial customer contact through financing completion.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Reports Real-time credit report solutions from Equifax, TransUnion, and Experian integrated into dealership workflows for automotive, RV, Powersports, and Marine dealers.
• Compliance Solutions Comprehensive compliance management including FTC Safeguards Rule support, training modules, and electronic deal jacket integrations for 2022 Safeguards Rule compliance.
• Soft Pull Solutions Soft pull pre-qualification and prescreen solutions allowing dealers to check consumer creditworthiness without impacting credit scores, including QuickQualify, QuickScreen, and QuickMobile offerings.
• Identity Verification Solutions Suite for verifying customer identity including ID verification, synthetic fraud detection, income and employment verification, and driver's license authentication.
• Direct Mail Campaigns Targeted direct mail lead generation service monitoring credit file activity to identify sales opportunities, with FICO score and credit filters.
• Integration Solutions Custom API and integration connections with DMS, Service Lane, F&I, CRM, sales, and desking platforms for seamless workflow embedding.
• 700Dealer Portal Dealer-facing web portal for accessing credit reports, training materials, compliance resources, and product management.

Quantifiable outcome

• Over 1,000,000 credit reports processed per day
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• VerifactocoreTechnology or Integration · 12 May 2026Strategic alliance integrating 700Credit's credit reporting, compliance, and soft pull prequalification capabilities directly into Verifacto's cloud-based dealership platform. Allows dealers to perform hard and soft credit pulls from a single screen within Verifacto's native workflow, reducing friction in the finance office and enabling faster deal completion.
• xDeskProcoreTechnology or Integration · 11 February 2026Alliance integrating driver's license authentication and prequalification solutions into xDeskPro's auto desking platform. Allows auto dealers and brokers to verify customers and access credit scores quickly, improving accuracy of quotes and customer experience.
• TradePendingcoreTechnology or IntegrationPartnership providing integrated prequalification solution to help dealers convert more website traffic by bringing confidence to shoppers' car-buying journey with seamless engagement. Empowers sales teams with data to discuss qualified payment options based on current lender rates earlier in the sales cycle.
• EquifaxcoreOthersCredit bureau data provider offering credit reports and credit data solutions
• TransUnioncoreOthersCredit bureau data provider offering credit reports and credit data solutions
• ExperiancoreOthersCredit bureau data provider offering credit reports and credit data solutions

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RouteOne: RouteOne is a credit application network used by auto dealers to submit finance applications to multiple lenders. It competes head-on with 700Credit on credit-report routing and dealer finance workflow integration.
• Open Dealer Exchange: Open Dealer Exchange is referenced alongside 700Credit in dealer contact records and provides credit and F&I workflow tools to dealerships. It targets the same dealer credit-reporting and compliance workflow as 700Credit.

Broad incumbents

• Dealertrack (Cox Automotive): Dealertrack, part of Cox Automotive, is a major dealer technology platform providing credit application, desking, and DMS capabilities. It overlaps with 700Credit's credit-report and prequalification offerings but as part of a much broader dealer software portfolio.
• Experian Automotive: Experian is one of 700Credit's three upstream data bureaus and also sells auto-dealer-facing credit and marketing products directly. Comparable as a credit-data provider competing for the same dealer wallet.
• TransUnion Automotive: TransUnion supplies credit data to 700Credit and also markets credit, risk, and automotive solutions directly to lenders and dealers. Comparable as a primary credit bureau with overlap in dealer-facing credit data.
• Equifax (US Information Services): Equifax is the third upstream bureau feeding 700Credit and operates a large U.S. consumer credit database with dealer- and lender-facing services. Comparable as a credit bureau with overlapping dealer-facing capabilities.

Emerging players

• Point Predictive: Point Predictive provides AI-based fraud and misrepresentation detection specifically for auto lending, including synthetic identity and income fraud. Directly comparable to 700Credit's Synthetic ID Fraud Detection and income/employment verification offerings.
• eLend Solutions: eLend Solutions provides dealer-side digital retailing and credit application platforms and partnered with 700Credit on joint dealer fraud webinars. It targets the same prequalification and credit-pull workflows for auto dealers.

Others

• TransPecos Banks (Ford Motor Credit / dealer finance arms): Captive auto finance arms like Ford Motor Credit run their own credit-decisioning and dealer-facing tools. They are ecosystem participants who consume bureau data much like 700Credit's dealer customers but at a different layer of the stack.
• KPA (Kelley Paul Associates): KPA provides dealer compliance and FTC Safeguards Rule training services and has co-presented webinars with 700Credit's Ken Hill. Comparable as an adjacent compliance vendor addressing the same dealer regulatory pain points.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/700-credit

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 700 Credit, LLC