700Credit Data Breach Class Action Settlement

A court authorized the Notice because Settlement Class Members have the right to know about the Settlement of this class action lawsuit and about all rights and options before the Court decides whether to grant Final Approval of the Settlement. This website explains the lawsuit, the Settlement, your legal rights, what benefits are available, who is eligible for the benefits, and how to get them.

The Honorable Robert J. White of the United States District Court for the Eastern District of Michigan, Southern Division, is overseeing this class action. The lawsuit is known as In re 700 Credit Data Security Litigation, Case No. 25-cv-13747 (“lawsuit”). The individuals who filed this lawsuit are called the “Plaintiffs” and/or “Class Representatives” and the company sued, 700Credit, LLC, is called the “Defendant.”

Plaintiffs filed this lawsuit against 700Credit, individually and on behalf of Settlement Class members, regarding possible unauthorized access to Settlement Class members’ Private Information involved in the Data Incident. The Private Information involved in the Data Incident includes names, dates of birth, Social Security numbers, and/or other personally identifiable information stored within 700Credit’s information technology systems that may have been affected in the Data Incident.

Plaintiffs allege that 700Credit, on or about October 25, 2025, identified that Private Information of Settlement Class members may have been compromised, accessed, and exfiltrated (“Data Incident”). Subsequently, on March 13, 2026, Plaintiffs filed a Consolidated Class Action Complaint against 700Credit.

700Credit denies any wrongdoing or liability and denies that Plaintiff would prevail or be entitled to any relief should this matter proceed to be litigated.

In a class action, one or more people (called class representatives) sue on behalf of all people who have similar legal claims. Together, all these people are called a class or class members. One court resolves the issues for all class members, except for those class members who timely exclude themselves (opt out) from the class.

Plaintiffs and 700Credit do not agree about the legal claims made in this lawsuit. The lawsuit has not gone to trial, and the Court has not decided in favor of Plaintiffs or 700Credit. Instead, Plaintiffs and 700Credit have agreed to settle the lawsuit. The Class Representatives, 700Credit, and their lawyers believe the Settlement is best for Settlement Class members because of the Settlement Class member Benefits available and the risks and uncertainty associated with continuing the lawsuit.

The Settlement Class includes all living individuals residing in the United States who received notice of the Data Incident indicating their Private Information may have been affected in the Data Incident. You may have been sent notice regarding the Data Incident in July or August 2026.

Yes. Excluded from the Settlement Class are (a) all persons who are directors and officers of 700Credit, or its respective subsidiaries and affiliated companies; (b) governmental entities; and (c) the Judge(s) assigned to the Action, the Judge’s immediate family, and Court staff.

If you are still not sure whether you are a Settlement Class Member, you may write to the Settlement Administrator at

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

If you are a Settlement Class Member and you submit a timely and valid Claim Form, you may be eligible to receive the following Settlement Class Member Benefits:

Cash Payment A – Documented Losses: You may submit a Claim Form and provide reasonable documentation showing that you spent money or incurred losses related to the Data Incident for up to $2,500.00 per Settlement Class Member.

Examples of expenses incurred as a result of the Data Incident include (but are not limited to) bank fees, long-distance phone charges, cell phone charges (only charged by the minute), data charges (only if charged based on the amount of data used), postage, gasoline for local travel and fees for credit reports, credit monitoring, or other identity theft insurance products purchased before the Claim Form Deadline.

If you do not submit reasonable documentation supporting a loss, or if your Claim Form is invalid as determined by the Settlement Administrator, and you do not cure your Claim Form, your Claim Form will be denied and your Claim Form for Cash Payment A – Documented Losses will instead be processed as if you elected Cash Payment B – Flat Cash.

Cash Payment B – Flat Cash: Instead of selecting Cash Payment A, without providing documentation, you may submit a Claim Form to receive a flat cash payment in the estimated amount of $50.00.

Credit Monitoring: All Settlement Class members received an activation code for two years of credit monitoring in their Notice. The codes cannot be used until the judge approves the Settlement. If you do not have your activation code, you can write to the Settlement Administrator to receive your code:

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

Your Cash Payment may be subject to a pro rata (a legal term meaning equal share) increase from the Settlement Fund if the amount of timely and valid Claim Forms does not use the entire Net Settlement Fund. Alternatively, if the amount of timely and valid Claim Forms exceeds the amount of the Net Settlement Fund, your Cash Payment may be subject to a pro rata decrease.

Unless you exclude yourself (opt out), you are choosing to remain in the Settlement Class. If the Settlement is approved and becomes final, all Court orders and any judgments will apply to you and legally bind you. You will not be able to sue, continue to sue, or be part of any other lawsuit against the Released Parties about the legal issues in this lawsuit that are released by this Settlement.

You must submit a timely and valid Claim Form for the Settlement Class Member Benefits described in FAQ 8 above.

Your Claim Form must be submitted online here by September 22, 2026, or mailed to the Settlement Administrator at the address on the Claim Form, postmarked by September 22, 2026. Claim Forms are also available on the Documents page of this website, by calling 1-877-502-7785, or by writing to:

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

Please make sure your Claim Form is signed and dated.

If you change your mailing address or email address after you submit a Claim Form, it is your responsibility to inform the Settlement Administrator of your updated information. You may notify the Settlement Administrator of any changes by writing to:

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

If you submit a timely and valid Claim Form, Settlement Class Member Benefits will be provided after the Settlement is approved by the Court and becomes final. It may take time for the Settlement to be approved and become final. Please be patient and check this website for updates.

Yes, the Court has appointed Jeff Ostrow of Kopelowitz Ostrow P.A., Gary Klinger of Milberg PLLC, and E. Powell Miller of The Miller Law Firm, P.C., as Class Counsel to represent you and the Settlement Class for the purposes of this Settlement. You may hire your own lawyer at your own cost and expense if you want someone other than Class Counsel to represent you in this lawsuit.

Class Counsel will file a motion asking the Court to award attorneys’ fees of up to one-third of the $17,500,00.00 Settlement Fund, plus reimbursement of costs. Class Counsel will also ask the Court to approve a Service Award for the Class Representatives of up to $3,000.00 each for their efforts in achieving the Settlement. If awarded by the Court, the attorneys’ fees and costs, and the Service Awards will be paid from the Settlement Fund. The Court may award less than these amounts.

Class Counsel’s Application for Attorneys’ Fees, Costs, and Service Awards will be made available on this website after it is filed with the Court.

If you are a Settlement Class member and want to keep any right you may have to individually sue or continue to sue the Released Parties on your own about the legal claims in this lawsuit or released by the Released Claims, then you must take steps to get out of the Settlement. This is called excluding yourself from—or “opting out” of—the Settlement.

To exclude yourself from the Settlement, you must mail a written request for exclusion, which includes the following:

1. Your full name, mailing address, telephone number, and email address (if any);
2. Your original (“wet”) handwritten personal signature; and
3. A statement that you want to be excluded from the Settlement Class, such as “I hereby request to be excluded from the Settlement Class in the In re 700Credit Data Security Litigation.”

The exclusion request must be mailed to the Settlement Administrator at the following address, and be postmarked by September 8, 2026:

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

You cannot opt out (exclude yourself) by telephone or by email.

“Mass” or “class” requests for exclusion filed by third parties on behalf of a “mass” or “class” of Settlement Class Members or multiple Settlement Class Members are not permitted. Settlement Class Members may only opt out on behalf of themselves.

No. If you timely opt out, you will not be entitled to receive Settlement Class Member Benefits, but you will not be bound by the Settlement or any judgment in this lawsuit. You can only get Settlement Class Member Benefits if you stay in the Settlement and submit a timely and valid Claim Form.

No. Unless you opt out, you give up any right to sue any of the Released Parties for the legal claims this Settlement resolves and Releases relating to the Data Incident, and you will be bound by all the terms of the Settlement and by all proceedings, orders, and judgments in the lawsuit. You must opt out of this lawsuit to start or continue with your own lawsuit or be part of any other lawsuit against the Released Parties. If you have a pending lawsuit, speak to your lawyer in that case immediately.

If you are a Settlement Class Member, you can tell the Court you object to all or any part of the Settlement and/or Application for Attorneys’ Fees, Costs, and Service Awards.

To object, you must file your objection with the Court by September 8, 2026, and send your objection by U.S. Mail to Class Counsel, 700Credit’s Counsel, and the Settlement Administrator postmarked by or shipped by private courier (such as Federal Express) by September 8, 2026, stating that you object to the Settlement in the In re 700Credit Data Security Litigation.

To file an objection, you cannot exclude yourself from the Settlement Class. Your objection must include all the following information:

• The name of this Litigation (In re 700Credit Data Security Litigation), or a decipherable approximation thereof;
• Your full name, mailing address, and telephone number;
• The full name, address, telephone number, and email address of your counsel (if you are represented by counsel);
• A statement describing the grounds for your objection with specificity;
• A statement confirming whether your objection applies only to you, to a specific subset of the Settlement Class, or to the entire Settlement Class;
• A statement confirming whether you intend to appear at the Final Approval Hearing and, if so, whether you will appear in person or through counsel; and
• Your signature or the signature of an individual authorized to act on your behalf.

You must mail the objection to each of the following:

If you do not comply with the requirements for objecting as detailed above, you will waive and forfeit any and all rights you may have to appear separately and/or to object to the Settlement and you will be bound by all the terms of the Settlement and by all proceedings, orders, and judgments in the lawsuit.

Objecting is simply telling the Court that you do not like something about the Settlement. You can object only if you stay in the Settlement Class. Opting out is telling the Court that you do not want to be part of the Settlement Class. If you opt out, you cannot object because you are no longer part of the Settlement.

The Court will hold a Final Approval Hearing on October 7, 2026, at 2:00 p.m. before the Honorable Robert J. White of the United States District Court for the Eastern District of Michigan, Southern Division, at the Theodore Levin U.S. Courthouse, 231 W. Lafayette Blvd., Detroit, MI 48226. At this hearing, the Court will consider whether the Settlement is fair, reasonable, and adequate and decide whether to approve the Settlement and Class Counsel’s Application for Attorneys’ Fees, Costs, and Service Awards.

If there are objections that were filed by the deadline, the Court will consider them. If you file a timely objection, and you would like to speak at the hearing, the Court will also listen to you or your lawyer speak at the hearing, if you so request.

Note: The date and time of the Final Approval Hearing are subject to change without further notice to the Settlement Class. The Court may also decide to hold the hearing via video conference or by telephone. You should check this website to confirm the date and time of the Final Approval Hearing has not changed.

No. Class Counsel will answer any questions the Court may have. However, you are welcome to attend at your own expense. If you file an objection, you do not have to attend the Final Approval Hearing to speak about it. As long as you file a written objection by the deadline, the Court will consider it.

Yes, as long as you do not exclude yourself (opt out) and you submit a timely written objection requesting to speak at the hearing, you can (but do not have to) participate and speak for yourself at the Final Approval Hearing. This is called making an appearance. You also can have your own lawyer speak for you, but you will have to pay for the lawyer yourself.

If you want to appear, or if you want your own lawyer instead of Class Counsel to speak for you at the hearing, you must follow all of the procedures for objecting to the Settlement listed in FAQ 18 above—and specifically include a statement whether you and your counsel will appear at the Final Approval Hearing.

If you are a Settlement Class Member and you do nothing, you will not receive Settlement Class Member Benefits, and you will give up rights to start a lawsuit, continue with a lawsuit, or be part of any other lawsuit against any of the Released Parties about the legal issues in this lawsuit that are released by the Settlement relating to the Data Incident.

Your credit monitoring code was included with your notice, either via email or postcard. However, the codes will not work until the Settlement is approved and the Final Approval Order has been entered. Please check this website after the October 7, 2026, Final Hearing, but be advised it can take some time for the Order to be entered. The Current Status of this website will be updated once the Order is entered.

Your credit monitoring activation code was included with your notice, either via email or postcard. If you cannot find your code, please send a letter to the Settlement Administrator at the address below requesting that your code be mailed to you.

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

This website summarizes the Settlement. Complete details about the Settlement are provided in the Settlement Agreement. The Settlement Agreement and other related documents are available on the Documents page of this website. You may get additional information by calling toll-free 1-877-502-7785, or by writing to:

700Credit Data Breach Litigation
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109

PLEASE DO NOT TELEPHONE THE COURT OR THE COURT’S CLERK OFFICE REGARDING THIS NOTICE.