700Credit, a U.S.-based fintech and data services provider for auto, RV, and marine dealerships, suffered a significant data breach that exposed the personal information of at least 5.6 million people. The compromised data includes names, addresses, dates of birth, and Social Security numbers collected from dealership customers between May and October 2025. The company confirmed that the breach was limited to the application layer and did not impact its internal network or operations. In response, 700Credit has engaged cybersecurity experts, notified affected dealers and consumers, reported the incident to the FBI and FTC, and is offering credit monitoring services to those impacted.
The breach was publicly disclosed in December 2025, with regulatory notifications underway and no evidence yet of identity theft or fraud resulting from the incident. The event is part of a broader trend of large-scale data breaches affecting financial services firms, as highlighted by concurrent reporting on similar incidents at other companies. 700Credit is coordinating with state attorneys general and regulatory bodies to ensure compliance and consumer protection in the aftermath of the breach.

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Michigan Attorney General Dana Nessel issued a public alert urging affected people to freeze credit, monitor accounts, and watch for phishing or identity theft following the 700Credit breach. The alert accompanied broader public disclosure of the incident.
As part of its response, 700Credit began offering 12 months of complimentary identity protection and credit monitoring through TransUnion to impacted individuals. The company said there was no evidence of identity theft or fraud at the time of disclosure.
Following discovery, 700Credit engaged forensic specialists, notified affected dealerships and consumers, and reported the incident to authorities including the FBI and FTC. The company also coordinated notifications with state attorneys general and the National Automobile Dealers Association on behalf of affected dealers.
After the breach, a threat actor identified by Outpost24 as using the alias ROOTBOY allegedly tried to extort 700Credit and then advertised a dataset of about 8.4 million records on underground forums. This was presented as monetization of the stolen 700Credit data.
700Credit discovered the incident on October 25, 2025, after the prolonged unauthorized access campaign. The company said the breach was limited to the 700Dealer.com application layer and did not impact its internal network or operations.
Between May and October 2025, threat actors used unauthorized access to 700Credit's application layer or API to steal dealership customer data, including names, addresses, dates of birth, and Social Security numbers. The activity affected data tied to thousands of dealerships and ultimately exposed information on roughly 5.6 to 5.8 million people.
In July 2025, attackers compromised a 700Credit integration partner and obtained API access or credentials later used to query consumer records. Multiple reports describe this third-party compromise as the origin of the breach.
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