700Credit has disclosed a data breach that exposed sensitive personal information linked to vehicle financing in the United States. The company provides credit reporting and compliance services to thousands of car dealerships and lenders nationwide. According to regulatory disclosures, unauthorised access to its systems resulted in the copying of consumer records that included highly sensitive data. The breach affected information processed on behalf of dealerships involved in auto, RV, powersports, and marine financing.
The incident was identified after suspicious activity was detected in late October 2025. An investigation found that a third-party application programming interface connected to a 700Credit web application had been compromised. Through this access, an attacker was able to copy consumer data stored on the platform. The affected records were collected over several months before the activity was discovered and contained.
700Credit stated that the exposed information included names, addresses, dates of birth, and Social Security numbers. The company said there is no indication that its core internal network was breached. Instead, the data was accessed through the connected application environment. Once the issue was identified, 700Credit said it took steps to secure the affected systems and prevent further unauthorised access.
Regulatory filings indicate that more than 5.8 million individuals were impacted. The company is coordinating notifications on behalf of its dealership clients and plans to begin sending written notices to affected individuals in December 2025. 700Credit said it has also notified law enforcement and relevant authorities about the incident as part of its response.
To address potential harm, 700Credit is offering affected individuals 12 months of credit monitoring and identity restoration services. The company said these measures are intended to help detect misuse of exposed information, such as identity theft or fraudulent credit activity. Individuals whose Social Security numbers were involved may face an elevated risk because such data can be used to open fraudulent accounts or obtain financing under false identities.
State officials have warned consumers to take the breach seriously if they receive a notification. Recommended steps include reviewing credit reports, placing fraud alerts or credit freezes with major credit bureaus, and remaining alert to unexpected communications related to loans or financial accounts. Officials also cautioned that exposed data may be used in phishing attempts that reference auto purchases or financing activity.
The incident highlights ongoing risks associated with third-party service providers that handle sensitive financial data at scale. Dealership financing systems often process large volumes of personal information, making them attractive targets for attackers. Security specialists have said breaches involving Social Security numbers can have long-term consequences because the data cannot be easily changed.
700Credit said it is reviewing its security controls and access management practices following the breach. The company stated that it is working to strengthen protections around third-party connections and monitoring systems. The case adds to a growing number of incidents affecting service providers that support critical financial and retail operations across the United States.
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