700 Plus Credit
3.9
6.5
Overall Score
Author: Kaitlyn Short
700 Plus Credit is a financial services company based out of Houston, Texas that has been offering credit repair services for the past 10 years.
700 Plus Credit offers a free credit consultation as well as a variety of financial services such as free seminars on a variety of financial topics and live chat assistance with the company's customer service department.
700 Plus Credit has experience in credit repair and credit restoration, re-building bad credit, negative trade lines, and finance. Additionally, the company is bonded and licensed by the state of Texas and works to remove inaccurate or misleading items on clients' credit reports from each major credit bureau — Equifax, Experian, and TransUnion.
Although results can vary with any credit repair service, the company states on its website that most clients generally start seeing credit results within the first 45 days of using its credit repair service.
Read on to learn more about 700 Plus Credit's credit repair program and to see verified client reviews.
Top Ranked Companies
The Good
- Credit Union Membership
- Money-Back Warranty
- Fair Pricing for Industry
- Additional Services
700 Plus Credit offers consumers a variety of credit solutions and tools as well as educational articles on its corporate website.
Consumers receive access to loan calculators, credit card offers, and vehicle searches on the website.
Members also receive direct access to a credit specialist at all times throughout the credit repair process as well as access to licensed real estate advisers. Additionally, members are able to receive:
Credit Union Membership
Generally, those who have poor credit and are in need of credit repair could also use help in reestablishing credit. This firm will help clients do just that through a credit union membership.
Money-Back Warranty
The credit repair company provides a 30-day, money-back warranty to all clients.
Fair Pricing for Industry
700 Plus Credit asks members to pay a first-time fee of $49.99 which is significantly lower than the first-time fees that other companies in the credit repair industry charge.
The company requires a monthly payment of $69 which is also on the lower end of pricing in comparison to other credit repair services.
Additional Services
In addition to credit repair services, 700 Plus Credit provides credit monitoring services, financial services, auto loans and refinancing services, and mortgage consulting.
According to the company's main website, clients can also receive access to "other services like tax advice, insurance, investments, and business loans."
700 Plus Credit also provides credit counseling services to both members and non-members.
These additional services can help clients with future financial decisions and help them create their own credit solutions, and achieve their credit goals after they finish with the company's credit repair services.
Clients can also get access to free seminars on topics like finance, investing, refinancing, and more.
The Bad
- Limited Website Information
- Lack of Creditor Help
- Short Warranty Timespan
Limited Website Information
Although the credit repair firm does provide some information about its services, the company fails to disclose details on its website regarding its service pricing, refund policy, staff credentials, and programs.
It is also unclear whether or not the company provides services outside of the Houston, Texas area.
Consumers who want to learn these details must contact the company via phone or email, or sign up for a free consultation.
Lack of Creditor Help
While 700 Plus Credit can help with a number of financial tasks and even act as a middleman, they do not get involved in creditor disputes.
Short Warranty Timespan
Although 700 Plus Credit offers a money-back warranty, the warranty time-span only goes for 30 days which is a short time in comparison to warranties offered by many other credit repair companies.
The Bottom Line
700 Plus Credit Repair hosts free seminars on a wide variety of credit and personal finance topics that are designed to help clients become more educated and establish brighter financial futures.
The credit repair company also looks at credit reports from each major credit bureau and provides consumers with numerous financial tools and educational articles, 24/7 access to a credit specialist, a money-back warranty, and fair credit repair service pricing.
Unfortunately, 700 Plus Credit does not provide much information about its credit repair service on its website, does not appear to offer creditor assistance and has a relatively short warranty time-span. Due to the lack of information provided by the company online, we cannot provide a company recommendation at this time.
If you are interested in using 700 Plus Credit's credit repair services to improve your low credit score, we recommend that you contact the credit repair firm and read several credit repair client reviews to learn more about what the company has to offer.
Review Source
Rita Hopkins Austin, TX
3 years ago Edited June 23, 2022
