Credit bureau · complaint record
700 Credit Experts complaints
Consumers have filed 94 complaints about 700 Credit Experts since 2024, 73 of them in the last 12 months (+306% on the year before). It answered 0% on time and closed 62% with relief for the customer. The most common problem is improper use of your report.
Poor response record. How it works
- Complaints on record
- 94
- Last 12 months
- 73
- Answered on time
- 0%
- Closed with relief
- 62%
- Last 30 days
- 7
- Rank
- #87 of 566
Since April 2024
+306% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 27, 2026
Most complained-about credit bureaus & report companies
700 Credit Experts complaints by month
The busiest month was December 2025 (32 complaints). Complaints in the last 12 months are up 306% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How 700 Credit Experts answered last 12 months
- Untimely response73100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/450% on time
- Relief for customers0/4062.5% closed with relief
- Complaint trend0/15+306% vs last year
What 700 Credit Experts complaints are about
Top 700 Credit Experts problems last 12 months
Inside "Improper use of your report"
- Reporting company used your report improperly 73
- Credit inquiries on your report that you don't recognize 5
Where 700 Credit Experts complaints come from
Most complaints: Texas (26), California (19), North Carolina (8), Georgia (6), Florida (5).
700 Credit Experts compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Madison AutoCredit reporting | 45 | 86 | D |
| 2 | Arivo AcceptanceCredit reporting | 22 | 81 | F |
| 3 | Porsche Financial ServicesCredit reporting | 47 | 77 | D |
| 4 | Go CapitalCredit reporting | 48 | 75 | D |
| 5 | GFS IICredit reporting | 60 | 74 | C |
| 6 | 700 Credit ExpertsCredit reporting | 0 | 73 | F |
| 7 | Greenstate Credit UnionCredit reporting | 63 | 71 | C |
| 8 | Grow CreditCredit reporting | 39 | 63 | D |
Compare side by side: 700 Credit Experts vs Madison Auto · 700 Credit Experts vs Arivo Acceptance · 700 Credit Experts vs Porsche Financial Services · 700 Credit Experts vs Go Capital
What people say about 700 Credit Experts
All experiencesNo experiences with 700 Credit Experts yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest 700 Credit Experts complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Oct 19, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 14, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 12, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Oct 12, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 9, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 8, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
Questions about 700 Credit Experts
How many complaints does 700 Credit Experts have?
700 Credit Experts has 94 complaints on record since April 2024, including 73 in the last 12 months and 7 in the last 30 days. That makes it number 563 of every company by complaints this year.
Does 700 Credit Experts respond to complaints?
Yes. 700 Credit Experts answered 0% of its complaints on time (within 15 days) and closed 62% with relief - money back or a fix. The rest were mostly closed with an explanation only. Its Response Score is 0/100 (grade F).
What do people complain about most with 700 Credit Experts?
The most common problems are improper use of your report (78), attempts to collect debt not owed (4), incorrect information on your report (3).
Is 700 Credit Experts legit?
700 Credit Experts is a real company with a public complaint record: consumers have complained about it 94 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is 700 Credit Experts legit? for the signals, red flags and how to protect yourself.
Are complaints about 700 Credit Experts going up or down?
Up. There were 73 complaints in the last 12 months against 18 in the 12 before (+306%). See every month.
How do I file a complaint against 700 Credit Experts?
Complain to 700 Credit Experts in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most 700 Credit Experts complaints come from?
Most come from Texas (26), California (19), North Carolina (8). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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