700 Plus Credit

What 700 Plus Credit does

700 Plus Credit LLC is a Houston, Texas-based, privately-held credit repair and financial services agency operating since 2007. The company is bonded and licensed by the State of Texas and works with the three major credit bureaus (Equifax, Experian, TransUnion) along with a network of affiliate attorneys to remove negative entries, challenge inaccurate items, and improve the credit profiles of individual consumers. Its product portfolio spans credit repair, tradelines, 24/7 credit and identity monitoring (resold via Smart Credit and Identity IQ), mortgage consulting, auto loan facilitation, personal loans ($500–$25,000), business loans, debt consolidation, and credit education — structured under three service pillars: 'Repair Your Past,' 'Monitor Your Present,' and 'Build Your Future.'

The company operates with no proprietary technology platform and discloses no AI/ML capabilities; service delivery is human-capital-intensive, relying on credit specialists, affiliate attorneys, and a Texas-based affiliate network of credit unions, auto dealers, mortgage lenders, and realtors. The technology layer is limited to a WordPress-based website with a free-consultation lead-capture funnel, TikTok content, and resold third-party monitoring tools. There is no app, no API, and no disclosed software development function.

The revenue model is primarily subscription or membership-fee based for core credit repair and monitoring, supplemented by referral and affiliate commissions on loan products (mortgage, auto, personal, business), fees on tradeline packages, and professional service fees for mortgage consulting and debt consolidation. The go-to-market motion is sales-led and community-led: direct phone/text outreach via a prominent 713 number, a free consultation landing page, customer testimonials and Google/Facebook reviews (over 1,000), and free financial education seminars. Geographic reach is regional, spanning Houston, Dallas, Austin, and San Antonio. Headcount is reported at 1–10 employees, indicating a small operating footprint relative to the breadth of services marketed.

Name

700 Plus Credit

Legal name

700 Plus Credit LLC

Website

https://700pluscredit.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

700 Plus Credit is a Texas-based, bonded and licensed credit repair agency serving individual consumers across Houston, Dallas, Austin, and San Antonio with credit dispute, tradeline, monitoring, and loan facilitation services delivered by credit specialists and affiliate partners since 2007.

Ownership category

akta.pro rank

Product category

Credit Repair and Financial Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Credit repair services
• Credit restoration
• Tradeline services
• Credit monitoring
• Debt consolidation

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Repair and Restoration Services: The company charges for credit repair and restoration services delivered by credit specialists and affiliate attorneys. Members receive direct access to analysts, credit counseling, and a full evaluation of their credit score, habits, and identity protection issues. The revenue model is service-based, likely subscription or membership-fee driven given the mention of 'member benefits' and ongoing advisor access.
2. Tradelines Services: The company offers tradeline packages — adding positive credit account tradelines to clients' credit profiles — as a paid service. These are tailored to individual credit goals and financial situations, generating revenue through customized package fees.
3. Credit Monitoring Services: The company resells third-party credit and identity monitoring services (Smart Credit and Identity IQ) as part of its service portfolio, providing 24/7 monitoring, real-time alerts, and identity protection to members on a recurring subscription basis.
4. Mortgage Consulting and Realtor Services: The company offers mortgage loan approval consulting and on-site realtor services, guiding clients through the home-buying process. Revenue is generated through referral or service fees associated with mortgage facilitation and real estate transaction support.
5. Auto Loan Facilitation: The company connects clients with a network of reputable dealers for auto loans and refinancing, leveraging credit union affiliates to secure low interest rates. Revenue derives from dealer network referrals and financing facilitation.
6. Personal Loan Origination: The company assists members in obtaining personal loans ranging from $500 to $25,000 depending on credit score, working with financial sources and affiliates. Revenue is generated through referral fees or commissions from the lender network.
7. Business Loan Facilitation: The company provides business loans including small business loans, equipment financing, and working capital solutions through its network of financial partners. Revenue is generated through referral fees and financial facilitation charges.
8. Debt Consolidation Services: The company offers debt consolidation services, combining multiple debts into a single payment, potentially through a consolidation loan. Revenue is generated through service fees associated with the consolidation process.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

700 Plus Credit is a consumer credit repair and financial services agency that helps individuals remove negative items from their credit reports with Equifax, Experian, and TransUnion, add positive tradelines, and access 24/7 credit and identity monitoring. The company also facilitates mortgage, auto, personal, and business loan origination and debt consolidation through affiliate credit unions, dealers, and lender partners. Membership-based credit repair plans are delivered by credit specialists and affiliate attorneys under a Texas-bonded and licensed agency structure.

Product overview

700 Plus Credit is a credit repair and financial services agency offering a comprehensive suite of credit-related products and services. The core offerings include Credit Repair (removal of negative items from credit profiles with Equifax, Experian, and TransUnion), Tradelines (adding positive credit accounts to improve scores), and Credit Monitoring (using Smart Credit and Identity IQ services). The company also provides lending products including Mortgages, Auto Loans, Personal Loans ($500-$25,000), Business Loans, and Debt Consolidation services. Additional services include Credit Education, Credit Restoration, Credit Approval assistance, and score increase programs. The company operates through three service categories: Repair Your Past (challenging negative items), Monitor Your Present (24/7 credit monitoring), and Build Your Future (Tradelines and credit improvement guidance). The company has been operating since 2007 and is bonded and licensed by the State of Texas.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Repair Service in which a team of credit repair and restoration specialists works with clients to remove negative information from their credit profiles with Equifax, Experian, and TransUnion; targeted at individual consumers with damaged or inaccurate credit.
• Tradelines Customized tradeline packages that strategically add positive credit account tradelines to clients' credit reports to help increase credit scores and improve creditworthiness for better loan terms.
• Mortgages Comprehensive mortgage services including loan approval assistance, on-site realtor services, and real estate investment guidance backed by 40+ combined years of experience; targeted at aspiring homeowners and real estate investors.
• Auto Loan Auto loan origination and refinancing services connecting clients with reputable dealers offering competitive interest rates, including credit repair support and pre-approval assistance; targeted at consumers with subprime or improving credit.
• Personal Loan Personalized personal loan solutions ranging from $500 to $25,000 depending on credit score, used for debt consolidation, home renovations, and unexpected expenses.
• Credit Monitoring 24/7 credit and identity monitoring using third-party platforms Smart Credit and Identity IQ to protect identity, provide real-time alerts, and detect signs of identity theft or fraudulent activity.
• Business Loan Business funding solutions including small business loans, equipment financing, and working capital with fast approvals and personalized service, facilitated through the company's financial partner network.
• Debt Consolidation Debt consolidation services that combine multiple debts into a single manageable monthly payment with lower interest rates and flexible repayment terms.
• Credit Education Financial education services, including free seminars, empowering clients with knowledge about credit, investing, refinancing, and credit laws.
• Credit Restoration Service reviewing, repairing, and restoring client credit for a 'better credit life' through aggressive legal measures.
• Credit Approval Assistance Assistance with credit approval for mortgage, auto, and personal loans through credit analysis and personalized credit repair plans.

Quantifiable outcome

• Credit score increase of up to 195 points (500 to 695) reported within one year for a single customer case study
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Affiliate AttorneyscoreStrategic or Co-development PartnerThe company works with a network of affiliate attorneys to assist in credit repair and restoration, leveraging legal expertise to challenge unfair or inaccurate negative credit report entries under the law.
• Credit Union AffiliatescoreChannel Partner/ Reseller/ DistributorThe company partners with credit unions to help members establish credit union memberships, access auto loans, personal loans, and mortgages at favorable rates. Credit unions serve as key financial product distribution partners enabling the company to offer its members financing options.
• Auto Dealer NetworkcoreChannel Partner/ Reseller/ DistributorThe company works with a network of reputable dealers experienced in working with all credit types to offer competitive auto financing options. These dealers provide low interest rates and flexible financing options to clients referred by 700 Plus Credit.
• Real Estate Affiliates and RealtorsminorChannel Partner/ Reseller/ DistributorThe company provides on-site realtor services through real estate professional partners to assist clients in finding and purchasing homes. Real estate investment guidance is also facilitated through affiliate relationships.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Lexington Law: One of the largest and most recognized U.S. credit repair firms, offering credit report dispute, score monitoring, and related services to consumers nationwide. Directly comparable to 700 Plus Credit's core credit repair offering but operates at national scale with far larger headcount and marketing budget.
• CreditRepair.com: National credit repair subscription service that challenges inaccurate items on consumer credit reports with the three major bureaus. Closely comparable to 700 Plus Credit's Repair Your Past and credit dispute workflow, but with a tech-enabled national platform.
• Credit Karma: Free consumer credit monitoring, score, and report platform owned by Intuit with broad financial product referrals. Comparable credit monitoring component of 700 Plus Credit's offering, but represents a potential substitute/competitor on the monitoring and education side rather than a direct credit repair rival.
• Experian Boost: Free feature from Experian that allows consumers to add utility and telecom payments to their Experian credit file to raise scores. Adjacent competitor that offers DIY score improvement, potentially substituting for paid credit repair services like 700 Plus Credit's score-increase programs.

Direct peers

• Sky Blue Credit Repair: Direct-to-consumer credit repair and credit score improvement service that disputes inaccurate items across all three bureaus. Highly comparable service model to 700 Plus Credit with similar subscription-style pricing and personal advisor access.
• The Credit People: Online credit repair company offering monthly membership and one-time clean-up options with direct access to credit specialists. Comparable business model and customer base to 700 Plus Credit's credit repair membership offering.

Emerging players

• IdentityIQ: Identity and credit monitoring subscription service that 700 Plus Credit already resells. Comparable credit and identity monitoring product set with a more national, DTC brand and comparable price point for similar features.
• SmartCredit: Credit monitoring, score tracking, and identity protection platform that 700 Plus Credit resells to its members. Highly comparable monitoring feature set and similar subscription business model.

Regional players

• Pinnacle Credit Repair: Credit repair and financial services firm serving specific U.S. regional markets. Comparable service portfolio of credit repair, tradelines, and score improvement, with similar small-agency operating model rather than national scale.

Others

• National Credit Federation: Credit restoration, debt validation, and credit education services with a membership-based model. Compares to 700 Plus Credit's credit education, monitoring, and restoration offerings; operates nationally and represents an adjacent competitor for the credit education and restoration segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• TikToktiktok.com/@700pluscredit
• Xx.com/700pluscredit
• Facebookfacebook.com/700PlusCredit
• LinkedInlinkedin.com/company/700-plus-credit-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Plus Credit