AM8871 v.01
If your Private Information may have been impacted in the
Data Incident involving 700Credit, LLC, discovered on or around
October 25, 2025, and you were sent notice, you may be entitled
to Settlement Class Member Benefits from a Settlement.
A Court authorized this Notice. This is not a solicitation from a lawyer.
A $17,500,000 settlement has been reached in a class action lawsuit against 700Credit, LLC
(“Defendant”) regarding an alleged Data Incident discovered on or around October 25, 2025,
where it is alleged that cybercriminals gained access to Defendant’s web application—
700Dealer.com—using compromised credentials, resulting in the unauthorized access to or
acquisition of Settlement Class Members’ Private Information. Private Information means
personally identifiable information and private health information, which consists of some
combination of the following, but is not limited to: names, addresses, dates of birth, and Social
Security numbers.
The Settlement Class includes: all living individuals residing in the United States who were sent
a notice of the Data Incident indicating that their Private Information may have been impacted in
the Data Incident.
If you are a Settlement Class Member, you can submit a Claim Form for the following Settlement
Class Member Benefits:
Cash Payment A – Documented Losses: You may submit a Claim Form and provide reasonable
documentation for losses related to the Data Incident as a result of fraud and/or identity theft for
up to $2,500.00 per Settlement Class Member; OR
Cash Payment B – Alternate Cash: Instead of Cash Payment A, without providing
documentation, you may submit a Claim Form to receive a cash payment in the estimated amount
of $50.00.
Credit Monitoring: Without submitting a Claim Form, you will receive an activation code for
two years of free Credit Monitoring. The Credit Monitoring activation code is located on your
settlement notice, and can be activated after final settlement approval.
Your Cash Payment may be subject to a pro rata (a legal term meaning equal share) increase or
decrease depending upon the total value of all Valid Claims.
Injunctive Relief: Defendant is implementing additional security measures following the Data Incident.
This Notice may affect your rights. Please read it carefully.
Your Legal Rights & Options Deadline
The only way to get Settlement Class Member
Submit a Benefits is to submit a timely and valid Claim Form. Submitted or Postmarked by:
Claim Form You do not need to submit a Claim Form to receive September 22, 2026
Credit Monitoring.
Get no Settlement Class Member Benefits. Keep
Exclude your right to file your own lawsuit against the Postmarked by:
Yourself Released Parties about the Released Claims that September 8, 2026
are released by the Settlement in this lawsuit.
Object to the Stay in the Settlement, but tell the Court why you Filed by:
do not agree with the Settlement. You will still be
Settlement bound by the Settlement if the Court approves it. September 8, 2026
Get no Cash Payment. Receive Credit Monitoring
Do Nothing
activation code. Give up your legal rights.
These rights and options—and the deadlines to exercise them—are explained in this Notice.
The Court must decide whether to approve the Settlement, attorneys’ fees, costs, and Service Awards.
No Settlement Class Member Benefits will be provided unless the Court approves the Settlement.
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
AM8872 v.01
BASIC INFORMATION
1. Why is this Notice being provided?
A court authorized this Notice because you have the right to know about the settlement of this class
action lawsuit and about all of your rights and options before the Court decides whether to grant final
approval of the Settlement. This Notice explains the lawsuit, the Settlement, your legal rights, what
Settlement Class Member Benefits are available, who is eligible for the Settlement Class Member
Benefits, and how to get them.
The Honorable Robert J. White of the United States District Court for the Eastern District of
Michigan, Southern Division is overseeing this class action. The lawsuit is known as In re 700Credit
Data Security Litigation, Case No. 25-cv-13747 (“lawsuit”). The individuals who filed this lawsuit
are called the “Plaintiffs” and/or “Class Representatives” and the company sued, 700Credit, LLC, is
called the “Defendant.”
2. What is this lawsuit about?
Plaintiffs filed this lawsuit against the Defendant on behalf of themselves and all others similarly
situated regarding a Data Incident discovered on or around October 25, 2025, where it is alleged that
cybercriminals gained access to Defendant’s web application—700Dealer.com—using compromised
credentials, resulting in the unauthorized access to or acquisition of Settlement Class members’
Private Information. Private Information means personally identifiable information and private health
information, which consists of some combination of the following, but is not limited to: names,
addresses, dates of birth, and Social Security numbers.
Defendant denies the legal claims and denies any wrongdoing or liability. The Court has not made any
determination of any wrongdoing by Defendant, or that any law has been violated. Instead, Plaintiffs
and Defendant have agreed to a settlement to avoid the risk, cost, and time of continuing the lawsuit.
3. Why is there a Settlement?
Plaintiffs and Defendant do not agree about the legal claims made in this lawsuit. The lawsuit has not
gone to trial, and the Court has not decided in favor of Plaintiffs or Defendant. Instead, Plaintiffs and
Defendant have agreed to settle the lawsuit. The Class Representatives, Defendant, and their lawyers
believe the Settlement is best for the Settlement Class because of the Settlement Class Member
Benefits available and the risks and uncertainty associated with continuing the lawsuit.
4. Why is this lawsuit a class action?
In a class action, one or more people (called class representatives) sue on behalf of all people who
have similar legal claims. Together, all these people are called a class or class members. One court
resolves the issues for all class members, except for those class members who timely exclude
themselves (opt-out) from the class.
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
2
AM8873 v.01
WHO IS INCLUDED IN THE SETTLEMENT?
5. How do I know if I am included in the Settlement?
You are included in the Settlement Class if you are a living individual residing in the United States
who was sent a notice of the Data Incident indicating your Private Information may have been
impacted in the Data Incident.
6. Are there exceptions to being included in the Settlement?
Yes. Excluded from the Settlement Class are: (1) all persons who are directors, officers, and agents
of Defendant, or their respective subsidiaries and affiliated companies; (2) governmental entities; (3)
the Judge assigned to the lawsuit, that Judge’s immediate family, and Court staff; and (4) all
Settlement Class Members who properly and timely opt-out of the Settlement.
7. What if I am still not sure whether I am part of the Settlement?
If you are still not sure whether you are a Settlement Class Member, you may go to
www.700CreditDataBreachSettlement.com or call toll-free 1-877-502-7785.
THE SETTLEMENT BENEFITS
8. What does this Settlement provide?
If you are a Settlement Class Member, you can submit a Claim Form for the following Settlement
Class Member Benefits:
Cash Payment A – Documented Losses
You may submit a Claim Form with reasonable documentation for losses related to the Data Incident
as a result of fraud and/or identity theft for up to $2,500.00 per Settlement Class Member.
Examples of reasonable documentation include (but are not limited to): telephone records,
correspondence including emails, or receipts. Personal certifications, declarations, or affidavits from
the Settlement Class Member do not constitute reasonable documentation but may be included to
provide clarification, context, or support for other submitted reasonable documentation. You will not
be reimbursed for expenses if you have been reimbursed for the same expenses by another source,
including compensation provided in connection with the credit monitoring and identity theft
protection product offered as part of the notification letter provided by the Defendant or otherwise.
If you do not submit reasonable documentation supporting a loss, or if your Claim Form is invalid as
determined by the Settlement Administrator, and you do not cure your Claim Form, your Claim Form
will be processed as if you elected Cash Payment B – Alternate Cash.
Cash Payment B – Alternate Cash
Instead of selecting Cash Payment A, without providing documentation, you may submit a Claim
Form to receive a cash payment in the estimated amount of $50.00.
The exact amount of the payment will be based on the total of all Valid Claims for Cash Payment B
and the amount remaining in the Settlement Fund after payment of Settlement Administration Costs,
Attorneys’ Fees, Costs, Service Awards, Credit Monitoring, and Cash Payment A – Documented
Losses Claims.
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
3
AM8874 v.01
Your Cash Payment may be subject to a pro rata (a legal term meaning equal share) increase if the
amount of Valid Claims does not use the entire net Settlement Fund. Alternatively, if the amount of
Valid Claims exceeds the amount of the net Settlement Fund, your Cash Payment may be subject to
a pro rata reduction.
For purposes of calculating the pro rata increase or decrease, the Settlement Administrator must
distribute the funds in the net Settlement Fund first for payment of Credit Monitoring and then for
Cash Payments, with Cash Payments A being the first priority. Any pro rata increases or decreases
to Cash Payments will be on an equal percentage basis.
Credit Monitoring
Without submitting a Claim Form, you will receive an activation code for two years of free Credit
Monitoring services. Credit Monitoring activation codes are located on your settlement notice. Please
keep your notice, as you will only be able to activate the free Credit Monitoring after final settlement
approval.
After final approval, go to www.700CreditDataBreachSettlement.com or call toll-free 1-877-502-7785
for instructions on how to activate your credit monitoring code.
Injunctive Relief
Defendant has already implemented additional security measures following the Data Incident.
9. What am I giving up to receive Settlement Class Member Benefits or stay in the
Settlement Class?
Unless you exclude yourself (opt-out), you will remain in the Settlement Class. If the Settlement is
approved and becomes final, all Court orders and any judgments will apply to you and legally bind
you. You will not be able to sue, continue to sue, or be part of any other lawsuit against the Released
Parties about the Released Claims in this lawsuit. The specific rights you are giving up are called
“Released Claims.”
10. What are the Released Claims?
Section XIII of the Settlement Agreement describes the Releases, Released Claims, and Released
Parties, in necessary legal terminology, so please read this section carefully. The Settlement
Agreement is available at www.700CreditDataBreachSettlement.com. For questions regarding the
Releases, Released Claims, or Released Parties and what the language in the Settlement Agreement
means, you can also contact Class Counsel listed below for free, or you can talk to your own lawyer
at your own expense.
HOW TO GET BENEFITS FROM THE SETTLEMENT
11. How do I submit a Claim Form?
You must submit a timely and valid Claim Form to receive a Cash Payment as described above. Your
Claim Form must be submitted online at www.700CreditDataBreachSettlement.com by
September 22, 2026, or mailed to the Settlement Administrator at the address on the Claim Form,
postmarked by September 22, 2026. Claim Forms are also available at
www.700CreditDataBreachSettlement.com or by calling 1-877-502-7785 or by writing to:
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
4
AM8875 v.01
700Credit Data Incident
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109
Please note per the United States Postal Service, mail may not be postmarked the day it is deposited
in a mailbox or at a local post office. Postmarks occur when mail reaches a processing facility. To
meet a postmark deadline, mail at least a week prior to a postmark deadline, get a manual postmark
in-person at any post office, or send via Certified Mail.
You do not need to submit a Claim Form to receive free Credit Monitoring.
12. What happens if my contact information changes after I submit a Claim Form?
If you change your mailing address or email address after you submit a Claim Form, it is your
responsibility to inform the Settlement Administrator of your updated information. You may notify
the Settlement Administrator of any changes by writing to:
700Credit Data Incident
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109
13. When will I receive my Settlement Class Member Benefits?
If you file a timely and valid Claim Form, the Settlement Class Member Benefits will be provided
after the Settlement is approved by the Court and becomes final.
You will only be able to activate your free Credit Monitoring after final settlement approval. After
final approval, go to www.700CreditDataBreachSettlement.com or call toll-free 1-877-502-7785 for
instructions on how to activate your credit monitoring code.
It may take time for the Settlement to be approved and become final. Please be patient and check
www.700CreditDataBreachSettlement.com for updates.
EXCLUDE YOURSELF OR OPT-OUT OF THE SETTLEMENT
If you are a member of the Settlement Class and want to keep any right you may have to sue or
continue to sue the Released Parties on your own about the legal claims in this lawsuit or the Released
Claims, then you must take steps to get out of the Settlement. This is called excluding yourself from—
or “opting-out” of—the Settlement.
14. How do I opt-out of the Settlement?
To exclude yourself from the Settlement, you must mail a written request for exclusion, which
includes the following:
1) Your name, address, telephone number, and email address (if any);
2) Your personal physical signature; and
3) A statement that you want to be excluded from the Settlement Class, such as “I hereby request
to be excluded from the Settlement Class in the In re 700Credit Data Security Litigation.”
The exclusion request must be mailed to the Settlement Administrator at the following address, and
be postmarked by September 8, 2026:
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
5
AM8876 v.01
700Credit Data Incident
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109
You cannot opt-out (exclude yourself) by telephone or by email.
“Mass” or “class” requests for exclusion filed by third parties on behalf of a “mass” or “class” of
Settlement Class Members or multiple Settlement Class Members where the opt-out has not been
signed by each and every individual Settlement Class Member will not be allowed.
Please note per the United States Postal Service, mail may not be postmarked the day it is deposited
in a mailbox or at a local post office. Postmarks occur when mail reaches a processing facility. To
meet a postmark deadline, mail at least a week prior to a postmark deadline, get a manual postmark
in-person at any post office, or send via Certified Mail.
15. If I opt-out can I still get anything from the Settlement?
No. If you opt-out, you will not be able to receive Settlement Class Member Benefits, and you will
not be bound by the Settlement or any judgments in this lawsuit. You can only get Settlement Class
Member Benefits if you stay in the Settlement and submit a timely and valid Claim Form for a Cash
Payment or activate your Credit Monitoring code after final approval.
16. If I do not opt-out, can I sue the Defendant for the same thing later?
No. Unless you opt-out, you give up any right to sue any of the Released Parties for the legal claims
this Settlement resolves and Releases, and you will be bound by all the terms of the Settlement,
proceedings, orders, and judgments in the lawsuit. You must opt-out of this lawsuit to start or continue
your own lawsuit or be part of any other lawsuit against the Released Parties about the Released
Claims in this Settlement. If you have a pending lawsuit, speak to your lawyer in that lawsuit
immediately.
OBJECTING TO THE SETTLEMENT
17. How do I tell the Court I do not like the Settlement?
If you are a Settlement Class Member, you can tell the Court you do not agree with all or any part of
the Settlement or Application for Attorneys’ Fees, Costs, and Service Awards.
To object, you must file your timely written objection with the Court as provided below by
September 8, 2026, and send by U.S. mail to Class Counsel, Defendant’s Counsel, and the Settlement
Administrator postmarked by or shipped by private courier (such as Federal Express) by
September 8, 2026, stating you object to the Settlement in In re 700Credit Data Security Litigation,
Case No. 25-cv-13747.
To file an objection, you cannot exclude yourself from the Settlement Class. Your objection must
include all of the following information:
1) Your full name, mailing address, telephone number, and email address (if any);
2) All grounds for the objection, accompanied by any legal support for the objection known to
you as the objector or your own lawyer;
3) Identify whether your objection is to the Settlement in part or in whole;
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
6
AM8877 v.01
4) State whether the objection applies only to you as the objector, a subset of the Settlement
Class, or the entire Settlement Class;
5) The number of times you have objected to a class action settlement within the five (5) years
preceding the date that you file the objection, the caption of each case in which you have made
such an objection, and a copy of any orders related to or ruling upon your prior objections that
were issued by the trial and appellate courts in each listed case;
6) The identity of all lawyers representing you as an objector, including any former or current
lawyers who may be entitled to compensation for any reason related to the objection to the
Settlement or Application for Attorneys’ Fees, Costs, and Service Awards;
7) The number of times your lawyer or your lawyer’s law firm have objected to a class action
settlement within the five (5) years preceding the date of the filed Objection, the caption of
each case in which your lawyer or the firm has made such an objection and a copy of any
orders related to or ruling upon your lawyer’s or the lawyer’s law firm’s prior objections that
were issued by the trial and appellate courts in each listed case;
8) Whether you or your lawyer will appear at the Final Approval Hearing;
9) A list of all persons who will be called to testify at the Final Approval Hearing in support of
your objection (if any);
10) A statement confirming whether you intend to personally appear or testify at the Final
Approval Hearing; and
11) Your signature as the objector (a lawyer’s signature is not sufficient).
Class Counsel and/or Defendant’s Counsel may conduct limited discovery on any objector or
objector’s lawyers, including taking depositions and propounding written discovery.
To object, you must file your timely written objection with the Court by September 8, 2026, and
send it by U.S. mail to Class Counsel, Defendant’s Counsel, and the Settlement Administrator
postmarked by or shipped by private courier (such as Federal Express) by September 8, 2026, at the
following addresses:
Settlement
Court Class Counsel Defendant’s Counsel
Administrator
Clerk Jeff Ostrow Daniel V. Barnett 700Credit Data Incident
U.S. District Court Kopelowitz Ostrow P.A. Butzel Long, P.C. Settlement Administrator
Theodore Levin U.S. 1 West Las Olas Blvd. 300 Ottawa Ave. PO Box 4109
Courthouse Suite 500 Suite 620 Portland, OR 97208-4109
231 W. Lafayette Blvd. Fort Lauderdale, FL 33301 Grand Rapids, MI 49503
Detroit, MI 48226
Gary Klinger
Milberg PLLC
227 West Monroe St.
Suite 2100
Chicago, IL 60606
E. Powell Miller
The Miller Law Firm, P.C.
950 W. University Dr.
Suite 300
Rochester, MI 48307
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
7
AM8878 v.01
18. What is the difference between objecting and asking to be excluded?
Objecting is simply telling the Court that you do not like something about the Settlement. You can
object only if you stay in the Settlement Class. Opting-out is telling the Court that you do not want to
be part of the Settlement Class. If you opt-out, you cannot object because you are no longer part of
the Settlement.
THE LAWYERS REPRESENTING YOU
19. Do I have a lawyer in the lawsuit?
Yes. The Court has appointed Jeff Ostrow of Kopelowitz Ostrow P.A., Gary Klinger of Milberg
PLLC, and E. Powell Miller of The Miller Law Firm P.C. as Class Counsel to represent you and the
Settlement Class for the purposes of this Settlement. You may hire your own lawyer at your own cost
if you want someone other than Class Counsel to represent you in this lawsuit.
20. How will Class Counsel be paid?
Class Counsel will file a motion asking the Court to award the attorneys’ fees of up to 1/3 of the
Settlement Fund, plus reimbursement of reasonable costs. Class Counsel will also ask the Court to
approve the Service Awards for the Class Representatives of up to $3,000.00 each for their efforts. If
awarded by the Court, the attorneys’ fees and costs, and the Service Awards will be paid from the
Settlement Fund. The Court may award less than these amounts.
THE FINAL APPROVAL HEARING
The Court will hold a “Final Approval Hearing” to decide whether to approve the Settlement and
Application for Attorneys’ Fees, Costs, and Service Awards. You may attend and you may ask to
speak if you file an objection by the deadline, but you do not have to.
21. When and where will the Court decide whether to approve the Settlement?
The Court will hold a Final Approval Hearing on October 7, 2026, at 2:00 p.m. before the Honorable
Robert J. White at the Theodore Levin U.S. Courthouse, 231 W. Lafayette Blvd, Detroit, MI 48226.
At this hearing, the Court will consider whether the Settlement is fair, reasonable, and adequate and
decide whether to approve the Settlement, Class Counsel’s Application for Attorneys’ Fees, Costs,
and Service Awards.
If there are objections that were filed by the deadline, the Court will consider them. If you file a timely
objection, and you (or your lawyer) ask to speak at the hearing, the Court, at its discretion, may hear
objections at the hearing.
Note: The date and time of the Final Approval Hearing are subject to change without further notice
to the Settlement Class. The Court may also decide to hold the hearing via video conference or by
telephone. You should check the Settlement Website www.700CreditDataBreachSettlement.com to
confirm the date and time of the Final Approval Hearing have not changed.
22. Do I have to attend the Final Approval Hearing?
No. Class Counsel will answer any questions the Court may have. However, you are welcome to
attend at your own expense. If you file an objection, you may, but do not have to attend the Final
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
8
AM8879 v.01
Approval Hearing to speak about it. As long as you file your written objection by the deadline, the
Court will consider it.
23. May I speak at the Final Approval Hearing?
If there are objections that were filed by the deadline, the Court will consider them. If you file a timely
objection, and you (or your lawyer) ask to speak at the hearing, the Court, at its discretion, may hear
objections at the hearing.
GET MORE INFORMATION
24. How do I get more information about the Settlement?
This Notice summarizes the Settlement. Complete details about the Settlement are provided in the
Settlement Agreement. The Settlement Agreement and other related documents are available at
www.700CreditDataBreachSettlement.com. You may get additional information at
www.700CreditDataBreachSettlement.com, by calling toll-free 1-877-502-7785, or by writing to:
700Credit Data Incident
Settlement Administrator
PO Box 4109
Portland, OR 97208-4109
PLEASE DO NOT TELEPHONE THE COURT OR THE COURT’S
CLERK OFFICE REGARDING THIS NOTICE.
Questions? Go to www.700CreditDataBreachSettlement.com or call 1-877-502-7785
9
