700Credit data breach settlement
Yes. The 700Credit data breach settlement is real: a $17.5 million class action settlement in federal court, Eastern District of Michigan, run by a court-appointed settlement administrator. The claim deadline, 22 September 2026, has passed and the judge’s final decision has not been posted.
Claims closed on September 22, 2026 and the final approval hearing was on October 7, 2026. The official site has not posted the judge’s decision.
Is it real?
Yes. The case is In re 700Credit Data Security Litigation, case number 2:25-cv-13747, in the US District Court for the Eastern District of Michigan. A court-appointed settlement administrator runs it, and its only official site is 700creditdatabreachsettlement.com.
How the real notice reached people. Under the settlement agreement, class members with a known email address were sent an Email Notice and everyone else (and bounced emails) a Postcard Notice. Each notice carries a free credit monitoring activation code, which works only after final approval. The notices read here carry no scam warning and do not publish the sender email address.
To tell a real message from a scam:
- The only official site is 700creditdatabreachsettlement.com.Type it into your browser yourself rather than tapping a link. Claim pages on news and lawyer-advertising sites, and lookalike addresses, are not the administrator.
- Filing costs nothing.No real settlement charges a fee to file a claim or to release a payment. Anyone asking for one is running a scam.
- Nobody needs your passwords.The administrator never asks for your 700Credit password, your online banking login or a code texted to you. Payment details go only into the claim form on 700creditdatabreachsettlement.com.
- Check by phone.If you aren’t sure a message is real, call the administrator on 1-877-502-7785, the number on 700creditdatabreachsettlement.com, not one in the message.
- Claims have closed.The deadline was 22 September 2026. A message now urging you to file a new claim, or to pay or “verify” your bank details to receive money, is a warning sign. Check on 700creditdatabreachsettlement.com instead.
Who qualifies
All living individuals residing in the United States who were sent a notice of the 700Credit data incident saying their private information may have been impacted. Excludes 700Credit's directors, officers and agents and their affiliates, government entities, the judge, the judge's family and court staff, and people who opted out.
Size: approximately 5.8 million of Defendant's Clients' customers (settlement agreement).
It covers people in the United States only. If you live elsewhere, you are not part of it, whatever a message says.
How much
The total settlement is $17,500,000. What each person can claim:
| Benefit | Amount | Notes |
|---|---|---|
| Cash Payment A: documented losses | up to $2,500.00 | losses from fraud and/or identity theft related to the data incident, with reasonable documentation; subject to pro rata increase or decrease |
| Cash Payment B: alternate cash | estimated $50.00 | instead of Cash A, no documentation; subject to pro rata increase or decrease |
| Credit monitoring | 2 years | free for every class member without a claim form; activation code is on the settlement notice and works only after final approval |
An amount marked estimated or pro rata changes with the number of valid claims: more claims, smaller shares. Losses need proof, such as receipts or bank statements.
Deadline and payout
- Claim deadline: (passed).
- Opt-out and objection deadline: .
- Final approval hearing: .
Payout. The administrator has not published a payment date; benefits are paid after the settlement is approved and becomes final. Payments are by electronic payment or paper check, and paper checks must be cashed within 90 days of issue (settlement agreement).
Filing and payment
- The claim deadline (September 22, 2026) has passed; new cash claims are not being accepted.
- Credit monitoring needs no claim: after final approval, use the activation code on your notice at 700CreditDataBreachSettlement.com or call 1-877-502-7785.
- If you filed a cash claim, check 700CreditDataBreachSettlement.com (the official site) for payment updates.
Official site: 700creditdatabreachsettlement.com. Phone: 1-877-502-7785. Mail: 700Credit Data Incident Settlement Administrator, PO Box 4109, Portland, OR 97208-4109.
The breach, and what to do today
In a data incident discovered on or around October 25, 2025, cybercriminals allegedly got into 700Credit's web application, 700Dealer.com, using compromised credentials and accessed or took personal information of customers of 700Credit's clients (car dealers).
What was exposed: names; addresses; dates of birth; Social Security numbers.
A settlement pays for what already happened. The data is still out there, so do these now:
- Freeze your credit.In the US it’s free at Equifax, Experian and TransUnion, and no one can open credit in your name while it’s on. Lift it for a day when you apply for credit yourself.
- Get an IRS Identity Protection PIN.It stops anyone filing a tax return in your name with your Social Security number. Request one at irs.gov/ippin.
- Distrust messages about 700Credit and this settlement.Breach data is used to make scam messages personal enough to believe, for years afterwards. Go to the company or the official site yourself.
To see which other breaches your email address is in, search it on Have I Been Pwned, then read Breaches.
Not published yet
The administrator and the court had not published these when HARD checked on 7 November 2026, so this page doesn’t guess:
- When payments will be sent.
- Whether the judge has granted final approval (the hearing was set for 7 October 2026).
Questions
Is the 700Credit data breach settlement legit?
Yes. It is In re 700Credit Data Security Litigation, case 2:25-cv-13747, in the US District Court for the Eastern District of Michigan. A court-appointed settlement administrator runs it for the court, and the only official site is 700creditdatabreachsettlement.com.
Who qualifies for the 700Credit settlement?
All living individuals residing in the United States who were sent a notice of the 700Credit data incident saying their private information may have been impacted. Excludes 700Credit's directors, officers and agents and their affiliates, government entities, the judge, the judge's family and court staff, and people who opted out.
How much will I get from the 700Credit settlement?
Up to up to $2,500.00 for losses you can prove, or estimated $50.00 as a cash payment without receipts. The total settlement is $17,500,000. Final amounts depend on how many valid claims there are.
What is the deadline for the 700Credit settlement?
The claim deadline was 22 September 2026. It has passed.
When will the 700Credit settlement pay out?
The administrator has not published a payment date; benefits are paid after the settlement is approved and becomes final. Payments are by electronic payment or paper check, and paper checks must be cashed within 90 days of issue (settlement agreement).
Other settlements: California Casualty, Finastra, Telmate, Covenant Health, AMCA, DaVita, and the rest in Settlements.
Sources
Checked on 7 November 2026. HARD is not part of the case and doesn’t take claims.
- 700Credit long form notice, US District Court for the Eastern District of Michigan (copy hosted by ClassAction.org), read 7 Nov 2026: fund, data, class, benefits, claim/opt-out/objection deadlines, hearing October 7, 2026, PO Box, phone.
- Order granting preliminary approval, US District Court for the Eastern District of Michigan (copy hosted by Orrick), read 7 Nov 2026: class definition and exclusions.
- Settlement Agreement, Parties' agreement (copy hosted by ClassAction.org), read 7 Nov 2026: about 5.8 million people; email and postcard notice plan; electronic payment or paper check.