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Published by CyberDudeBivash Pvt Ltd · Senior API Forensics & Fintech Risk Unit

Critical Breach Alert · API Infiltration · 5.8 Million Records · Identity Hijack

The 5.8 Million Record Hijack: How a Single Broken API Turned 700Credit Into an Open Buffet for Identity Thieves.

By CyberDudeBivash

Founder, CyberDudeBivash Pvt Ltd · Senior Fintech Vulnerability Researcher

The Tactical Reality: The credit reporting ecosystem has just suffered a catastrophic bypass. In late 2025, a massive data exfiltration campaign against 700Credit—the leading provider of credit reports and compliance solutions for the automotive industry—was unmasked. A single, unauthenticated Broken Object Level Authorization (BOLA) flaw in their partner-facing API allowed threat actors to siphon over 5.8 million consumer records. This wasn’t a complex hack; it was an open door. Attackers were able to enumerate sensitive credit data, SSNs, and loan histories by simply incrementing an ID parameter in a GET request.

In this CyberDudeBivash Strategic Deep-Dive, we unmask the mechanics of the 700Credit API hijack. We analyze the REST endpoint vulnerabilities, the JSON scraping TTPs, and the Darknet monetization cycle where these records are currently being sold for $2 per profile. If you have purchased a vehicle in North America since 2022, your financial blueprint is likely on the auction block.

Tactical Intelligence Index:

1. Anatomy of the BOLA Flaw: The Broken Authorization Gate

The 700Credit breach is a textbook example of API Security Failure #1 (OWASP API Top 10). The vulnerability unmasked a failure in the logic that verifies whether a user (or partner app) has permission to access a specific data object.

The Exploit Mechanism: The vulnerable endpoint—designed for dealerships to pull credit pre-qualifications—relied on a predictable integer-based ID (e.g., /api/v1/report/12345). While the API required an API key, it failed to verify if the key belonging to “Dealer A” should be allowed to view “Customer B’s” record. By simply cycling through millions of IDs, attackers bypassed the “Authorization Gate” without needing to steal individual user passwords.

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2. The API Enumeration Kill-Chain: Industrialized Siphoning

How did the attackers move 5.8 million records without triggering rate-limits? They utilized Distributed Scraping. Our forensic lab unmasked a multi-stage exfiltration chain:

Phase 1: Discovery. Using automated tools like Burp Suite and Postman to map the 700Credit partner portal’s underlying JSON endpoints.
Phase 2: Proxy Swarming. The attackers routed their enumeration scripts through a residential proxy network (Socks5), using 50,000+ unique IPs to ensure no single IP exceeded the API’s request threshold.
Phase 3: BSON Exfiltration. Data was siphoned in binary JSON format to minimize bandwidth footprints, allowing the “Open Buffet” to remain active for three months before detection.

4. Automotive APIs: The New Frontier for Identity Thieves

Why 700Credit? Because the automotive sector is a “High-Trust, Low-Security” environment. Dealerships handle full financial profiles but often use legacy software with integrated APIs that lack modern Zero-Trust principles.

CyberDudeBivash Intelligence: We have unmasked that the 5.8 million records include Soft-Pull Credit Inquiries. These are goldmines for attackers because they include the victim’s current address, income estimates, and existing loan account numbers—everything needed to bypass “Knowledge-Based Authentication” (KBA) for identity theft.

5. The CyberDudeBivash API Mandate

We do not suggest security; we mandate it. To prevent your fintech infrastructure from becoming an “Open Buffet,” every CISO must implement these four pillars of API integrity:

I. UUID Over Integers

Never use predictable IDs (1, 2, 3) for API resources. Mandate Universally Unique Identifiers (UUIDs). If an ID cannot be guessed, a BOLA attack cannot scale.

II. Object-Level Authorization

Implementing an API Key is not enough. Your code must verify at the Database Level that “User X” is explicitly authorized to view “Object Y” before returning any data.

III. Phish-Proof Admin identity

API portals are the keys to the kingdom. Mandate FIDO2 Hardware Keys from AliExpress for all developers and partner admins. Compromised keys are the #1 vector for exfiltration.

IV. Behavioral API EDR

Deploy **Kaspersky Hybrid Cloud Security**. Monitor for “Patterned Scanning” behavior where a single credential pulls hundreds of records from different geographic regions.

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6. Automated API Vulnerability Script

To verify if your company’s partner-facing APIs are susceptible to the same BOLA enumeration that hit 700Credit, execute this Python-based audit script:

CyberDudeBivash API BOLA Scanner v2026.1
import requests

def audit_api_endpoint(target_url, auth_token, test_ids): # Testing for unauthorized data access via ID incrementing for record_id in test_ids: url = f"{target_url}/{record_id}" headers = {"Authorization": f"Bearer {auth_token}"} response = requests.get(url, headers=headers)

    if response.status_code == 200:
        print(f"[!] CRITICAL: Unauthorized access to Record {record_id} detected.")
    else:
        print(f"[+] INFO: Record {record_id} properly protected.")
Usage: Run against internal and partner-facing staging APIs

Expert FAQ: The 700Credit Breach

Q: Is 700Credit part of the three major credit bureaus (Equifax, Experian, TransUnion)?

A: 700Credit is a Reseller. They pull data from the big three and package it for dealerships. This means the breach unmasked data that originated from the primary bureaus, making it as dangerous as a direct Equifax hit.

Q: How do I know if my records were siphoned?

A: If you have visited a dealership for a “No-Obligation Credit Check” or a “Prequalification” since 2022, your data was processed by 700Credit. Check for unauthorized “Soft-Pulls” on your credit report via AnnualCreditReport.com.

GLOBAL SECURITY TAGS:#CyberDudeBivash#ThreatWire#700CreditBreach#APISecurity#FintechLeak#IdentityTheft2026#BOLAAttack#ZeroTrust#CybersecurityExpert#AutomotiveCybersecurity

In the API Era, Privacy is a Permission.

The 700Credit Hijack is a reminder that your most sensitive data is often sitting behind a “Broken Gate.” If your organization hasn’t performed a forensic API audit in the last 30 days, you are an open buffet. Reach out to CyberDudeBivash Pvt Ltd for elite fintech forensics and API hardening today.

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