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.
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:
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.
The credit repair company provides a 30-day, money-back warranty to all clients.
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.
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.
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.
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.
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.
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