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700 Plus Credit

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LAST UPDATED: March 5th, 2024

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. 

View Best Credit Repair Companies

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21 Reviews

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jose reyes Houston, TX

Since I started working with 700 club I was blown away by all the information I received on the first call. They always kept me up to on my credit score and any forms I sent from creditors they handled Emilia.

4 months ago

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nancy Liberty Hill, TX

I want to thank my credit specialist Elvira for helping me fix my credit, at first i was scared to try it out cause i thought you could not fix your credit but i was wrong you can,Elvira was good with answering all my questions at any time of the day.she explain every thing how it was going to be,i got my credit score to a 790 and that is good from a 570.i highly recommend elvira to everybody!!!!!!!

8 years ago

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Tony Morales Houston, TX

I had a very, very good experience with 700 Plus Credit. I knew my credit score was in bad shape and I needed to purchase a new truck. After 45 days of working with my credit repair specialist, my credit score was good enough to secure an excellent interest rate and I was able to get a new truck. I would highly recommend this company to anyone that is in need of credit repair.

10 years ago

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Cole Houston, TX

700 Plus credit helped me with my student loan debt. I fell behind on payments which brought down my credit score. I also had some medical bills on my report that were not mine. They helped me consolidate my student loan debt and got rid of all the bogus medical bills. They really helped me out. I would recommend the services of 700 Plus Credit to anyone with credit issues.

10 years ago

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Max M Houston, TX

Great company to work with. I had a horrible credit score and could not get another truck for my company which I desperately needed. I found 700 Plus Credit online and they immediately started to help restore my credit. The whole process took about 4 months. The end result - I got a new truck and got my other refinanced with a much better interest rate. Great company to work with - I HIGHLY recommend them.

10 years ago

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Eric Bragg Houston, TX

Very good company if you are looking to clean up your credit. I signed up with them and 1 less than 3 months they helped raise my credit score over 680. When I started, my credit was 520 something. I highly recommend this company if you are looking for credit repair.

9 years ago

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Alex B Houston, TX

700 Plus Credit is by far the best company I have worked with. I worked with a great credit specialist that helped me get my credit score back up to 695 from a 420! I highly recommend this company to anyone in the Houston area.

10 years ago

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Linda Houston, TX

This is on of the best credit repair agencies in Houston. I tried 2 other companies before I found these guys. 700 Plus Credit was the only one that produced good results. If you have bad credit, I would highly suggest going to these guys for help.

10 years ago

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Angel Arango Killeen, TX

Excellent Service! Ruben and Hector were clear, honest , and lived up to and exceeded all expectations. I will definitely be going back to 700 plus credit for all of my credit needs.

1 year ago

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David Simons Mineral Wells, TX

Within the first 60 days they raised our credit scores by as much as 170 points. Challenge letters were sent out to the agencys within 7 days of signing up. They do have a garentee and many of the local mobile home dealers will apply the fees paid to 700 credit to the down payment.

11 years ago

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Adriana Castro San Antonio, TX

Do not spend your hard own money on 700 credit repair out of mesquite Texas or palm harbor homes this is a 100% scam. They convince you to sign on by saying if they don't fix your credit you get your thousands of dollars back, another lie. You can fix your credit on your own.by contacting your creditors they are always willing to negotiate a deal at at lower amount that's owed.. I don't know how these people can sleep by doing this to so many hard working families on an everyday basis and for Palm Harbor Homes to allow this scam to give to have an office for them on site makes me believe they are part of the scam them self , never buy real estate unless you have a Realtor they will never allow this to happen to anyone.

9 years ago

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Charles H. Houston, TX

Bad rep, bad process, bad customer service, bad dispute resolution... just plain bad! Credit restoration services are a hit or miss proposition, anyway - but this group is a HUGE miss! After lofty claims and promises, there is no follow-up, you can t get a callback, can t get an email returned - even after management is alerted. They won t offer specifics as to the status of your file, or answer questions about the strategy - then act as if inquiring about it is a problem. If you re satisfied with dropping your money and saying forget it , these people are for you; but if you want to actually get what you pay for, and expect a minimum level of customer service - go somewhere else!

10 years ago

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Mark Sanchez Houston, TX

700 Plus Credit raised my credit score from a 633 to a 705 in 5 months time. My credit specialist, Elvira was great to work with. I can now buy a home for my wife and kids. Thank you 700 Plus Credit.

10 years ago

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Jessica Mendoza Houston, TX

If I could give a zero I would. They charged me 1200+ to fix my credit and they where going to give me a 4000 credit line to improve my credit and lied. Instead they didn’t do anything it’s been almost 2 years with them and every time I call they can’t do anything without charging me 24 to run my credit and then proceed to do nothing. I’m so mad and they say they’re going to call back and never do.

2 years ago Edited December 14, 2021

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This company is 100% fraudulent. They took 100% money for my wife's account and set me and my son on a monthly plan. Never told us about monthly 29.99 charges for IQNavigator. Our credit score fell and collectively we have close to $1000 so far. Please don't sign up with them, Anyone with any question, please reach out to me. I called them and even canceled and they are still charging my card for their services. Now I will have to dispute these charges.

5 years ago

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Max Morono Houston, TX

After 3 months of service, I saw my credit score(s) raise over 100 points! The customer service is awesome and very friendly.

6 years ago


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Matthew Laney Rancho Cucamonga, CA

700 plus helped me improve my credit score. They pretty much did what they said they would do. It is difficult sometimes to get in touch with a live representative.

2 years ago

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Adriana Vélez Houston, TX

I would like to thank Hector G for helping me raise my credit had a great experience with 700 plus credit

2 years ago

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Tim Dodson Richmond, TX

Hector at 700 credit score is very helpful kept good communication help me achieve my goals

1 year ago


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Rita Hopkins Austin, TX

This company did absolutely nothing for my credit. However, I did have some tools to assist me in reaching a goal. I did have a free consultation which was helpful.

2 years ago Edited June 23, 2022

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Oscar Martinez ,

I don't recommend this company because they charged me more the $1,000.00 dollars to fix my credit they work more the one year but they never do nothing to fix my credit

3 years ago