**700Credit Data Exposure Affects 5.6 Million Consumers**
A significant data exposure at 700Credit, a provider of credit and compliance solutions for automotive dealers, has impacted 5.6 million consumers. The incident stemmed from a compromised partner system, which allowed attackers to exploit a 700Credit API to extract customer data tied to valid IDs.
While 700Credit’s production systems remained unbreached, the breach was isolated to the partner integration, highlighting vulnerabilities in third-party vendor security. The company is now working to contain the fallout, providing branded notices, helplines, and guidance to affected dealers to manage customer communications.
The incident underscores growing concerns over vendor oversight and data-security preparedness in the automotive retail sector. Dealers and consumers are expected to face heightened scrutiny as the industry assesses the broader implications of the exposure.
Open Dealer Exchange cybersecurity rating report: https://www.rankiteo.com/company/open-dealer-exchange-llc
"id": "OPE1765801029",
"linkid": "open-dealer-exchange-llc",
"type": "Breach",
"date": "12/2025",
"severity": "85",
"impact": "4",
"explanation": "Attack with significant impact with customers data leaks"{'affected_entities': [{'customers_affected': '5.6 million consumers',
'industry': 'Automotive, Financial Services',
'name': '700Credit',
'type': 'Credit reporting and data services'}],
'attack_vector': 'Compromised partner system via API abuse',
'customer_advisories': 'Branded notices and helplines provided to affected '
'consumers.',
'data_breach': {'data_exfiltration': 'Yes',
'number_of_records_exposed': '5.6 million',
'personally_identifiable_information': 'Yes',
'sensitivity_of_data': 'High (personally identifiable '
'information)',
'type_of_data_compromised': 'Customer information (PII)'},
'description': '700Credit is moving quickly to contain the impact of a data '
'exposure affecting 5.6 million consumers. The incident began '
'when a partner’s system was compromised, allowing attackers '
'to send automated requests through a 700Credit API and pull '
'customer information tied to valid IDs. The company states '
'its production systems were never accessed, and the issue was '
'isolated to the partner integration.',
'impact': {'data_compromised': 'Customer information tied to valid IDs',
'identity_theft_risk': 'High',
'operational_impact': 'Dealers receiving branded notices and '
'managing customer communication',
'systems_affected': 'Partner integration system, 700Credit API'},
'initial_access_broker': {'entry_point': 'Compromised partner system'},
'investigation_status': 'Ongoing',
'lessons_learned': 'Vendor oversight and data-security readiness are critical '
'for preventing similar incidents.',
'post_incident_analysis': {'corrective_actions': 'Isolate partner '
'integration, enhance API '
'security, and improve '
'vendor oversight',
'root_causes': 'Partner system compromise leading '
'to unauthorized API access'},
'recommendations': 'Enhance vendor security assessments, improve API security '
'controls, and strengthen monitoring of partner '
'integrations.',
'references': [{'source': 'CDG Newsletter'}],
'response': {'communication_strategy': 'Dealers receiving branded notices and '
'helplines',
'containment_measures': 'Isolating the partner integration '
'issue, managing customer communication',
'incident_response_plan_activated': 'Yes'},
'stakeholder_advisories': 'Dealers advised to manage customer communication '
'and monitor for potential fraud.',
'title': '700Credit Data Exposure Incident',
'type': 'Data Exposure',
'vulnerability_exploited': 'Partner system compromise leading to unauthorized '
'API access'}