In a Nutshell: Struggling with bad credit is a common issue among U.S. consumers. Low credit scores can be the result of financial missteps, credit reporting errors, or simply a lack of credit education. Thankfully, 700 Plus Credit can help repair and restore credit scores with its customer-oriented and results-driven approach. The company works to remove negative items from its clients’ reports and sets them up for future success by educating them along the way. 700 Plus Credit members also gain access to assistance in obtaining personal and auto loans. With an average rating of 4.3 out of 5 stars on Google reviews, it seems the company’s focus on its customers’ needs has paid off.
When Ruben Alvarez worked as a finance director at a car dealership in Houston, he saw the same scenario time and time again — good people had been saddled with bad credit.
Alvarez said the details varied — some people’s credit took a dive because of divorce while others cosigned on a loan for a family member who left them high and dry. In other cases, people were simply not educated about how to use credit responsibly and ended up with a low score.
Having identified this ongoing issue among consumers, Alvarez said he and his wife, Yicel– who was a court reporter at the time — both left their careers to launch 700 Plus Credit to educate people and help get their credit back on track.
“That’s the reason we decided to change our careers and focus on the credit restoration world,” he said. “At this point, we’ve been in business since October 2007. And 12, 13 years later we hear the same stories. That story never goes away.”
Although the company is based in Houston, 700 Plus Credit serves customers all across the U.S.
“Stop getting declined because you have bad credit, and stop paying high interest on your home loan, auto loans, and your credit cards because of your low credit score,” according to the company website.
Effective Credit Restoration Services with the Customer’s Best Interests at Heart
At the heart of 700 Plus Credit is the company’s credit repair and restoration service.
Alvarez emphasized the importance of having good credit in today’s world, saying that credit scores impact consumers’ purchasing power, interest rates, and approval rates. And 700 Plus Credit helps its clients navigate the credit repair process every step of the way.
“Basically — it’s very simple — it’s an A-B-C type of deal. We connect with the client to find out why their goal is in seeking better credit,” Alvarez said. “So we’ll start doing some fact-finding with them. And then we jump into an evaluation which consists of pulling the credit report.”
Once the experts at 700 Plus Credit analyze the credit report, they consult with the client to determine his or her best course of action.
“Once we have determined that our services will benefit you, we will immediately start working to restore and repair your credit,” according to the 700 Plus Credit website.
Each consumer’s situation is unique so there are numerous potential actions the company could take to help repair his or her credit. Alvarez said some people may have past financial mistakes bringing their scores down while others’ scores may be low due to legitimate mistakes on their report.
“700 Plus Credit is committed to helping our clients every step of the way improve their credit profile on the path to financial freedom,” according to the company website. “We will take every aggressive measure under the law to repair and restore your credit.”
The company’s services are available for a monthly membership fee starting at $29.
“Our members can expect to start seeing results within the first 45 days,” according to the company. “Our members can make unlimited calls to 700 Plus Credit and they will get to speak to a credit repair and restoration specialist.”
The company also strives for “removal of all or some negative entries, codes, inquiries on your credit profile with the three major Federal Credit Bureaus,” according to the website. And it also helps rebuild clients’ credit by establishing a membership to a credit union based on their credit profiles.
“700 Plus Credit is built on honesty and integrity and believes that everyone deserves a second chance to improve their credit score,” according to the website. “Our company has extensive knowledge and experience in credit repair and restoration, credit rebuild, negative tradelines, and finance.”
Educating Clients About Credit is a Key Priority
While the company’s credit repair service is its primary offering, Alvarez said educating people about credit and how to use it responsibly is a huge priority for 700 Plus Credit.
“We want to lead our clients in the right financial direction so they can be better equipped and prepared to make financial decisions,” according to the website. “700 Plus Credit strives to empower our clients with current financial knowledge that affects their credit score and purchasing power.”
The company’s educational approach helps guide clients through the tasks and actions that should be taken to maintain a healthy score.
“It’s about just educating people about credit. It doesn’t have to necessarily be about negative things on their report,” Alvarez said. “Some people just need some guidance.”
He said that, for example, college students who are new to the world of credit may be looking for basic information like what they can do to gain a high credit score. Or perhaps they’re interested in learning more about credit utilization rates, mortgage loan requirements, or auto loan requirements.
In addition to delivering valuable educational resources, 700 Plus Credit offers a number of services made possible through its partnerships to help set clients up for future success.
“We assist members in obtaining personal loans for essential needs such as remodeling loans, air conditioning for the home, and unsecured personal loans from $500 to $25,000 depending on your credit score,” according to the company. “We can secure personal loans for our members even if their credit score is less than perfect.”
Similarly, the company can assist clients in securing auto loans and provides mortgage consulting as well.
700 Plus Credit recommends credit monitoring for consumers as well.
“Credit monitoring services keep an eye on your credit profile, including your credit report and score, and can alert you to changes or potential fraud,” according to the company. “Think of credit monitoring as an early warning system that could prevent further damage.”
The company’s educational materials aren’t just for consumers, Alvarez said. People who work in the finance industry also take advantage of 700 Plus Credit’s educational offerings to better understand and serve their own clients.
Maintaining a Strong Focus on Customer Support Results in Satisfied Clients
Alvarez said 700 Plus Credit’s customer service is the strongest part of the company.
“At the end of the day, the client wants to see results,” he said. “Anyone can enroll clients into programs — that’s not the problem — it’s getting results, which we are able to do.”
The company’s customers are grateful for the outcomes 700 Plus Credit provides for them.
“That’s what they appreciate the most — that we’re able to help them get what they wanted,” he said. “So, of course, they’re going to be happy, they’re going to be satisfied. And that’s why they go with us.”
700 Plus Credit has been named the “top credit repair agency” in Houston for the last four years running, according to the company website. And the company maintains a 4.3-star rating with 351 reviews on Google.
“I will recommend 700 Plus Credit to everyone I come in touch with. I’m a Senior Recruiter for an oil and gas energy company, so I know about customer service. They have excellent customer service and the most important key is they know the business and will answer all your questions.” — Javier H. from a verified Google review
Similarly positive reviews abound, addressing the company’s attentive customer service and results-oriented approach.
“I was amazed at the speed they worked,” wrote Google reviewer James Watts. “700 Plus Credit removed 10 negative items off my report in one month! I am very happy I called and signed up! If you are looking for a legit credit repair company, call 700 Plus Credit! The guys are amazing.”
Whether consumers need to correct past financial mistakes or are looking for assistance to remove errors from your credit report, 700 Plus Credit’s services are suited to help them get where they need to be on their path to financial wellness.
BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). BadCredit.org does not include listings for all financial products.
Our Editorial Review Policy
Our site is committed to publishing independent, accurate content guided by strict editorial guidelines. Before articles and reviews are published on our site, they undergo a thorough review process performed by a team of independent editors and subject-matter experts to ensure the content’s accuracy, timeliness, and impartiality. Our editorial team is separate and independent of our site’s advertisers, and the opinions they express on our site are their own. To read more about our team members and their editorial backgrounds, please visit our site’s About page.