Your Financial Freedom Starts Here

Our goal is to offer a suite of products and services that will help consumers build good credit and take control of their financial health.

Terms of Service

SMS Messaging Terms

Customers can contact customer support by:

Text message subscription program to allow users to subscribe and receive details on how to improve their credit score via text messages from 700LIFE.

  • Replying HELP to 68221
  • Calling by phone to 888-401-2252
  • Sending an email message to

Message & Data Rates May Apply. Carriers are not liable for lost or delayed SMS messages. Message frequency (e.g. 3 msgs/week). Service operated by You may terminate your text messaging services or subscriptions at any time by texting STOP to 68221.

I. General

Service Provider. 700Life provides Services relevant to renters, roommates, landlords, property managers, and others, including, without limitation, providing credit reporting and credit-related products.

Modification of this Agreement. 700Life may amend and/or revise this Agreement from time to time, in our sole discretion, by sending you written notice by electronic mail, by regular mail or by posting the updated terms on our website. Such modifications will become effective at the date or time provided in such notice but in no event earlier than twenty-four (24) hours following the earlier of receipt by you or the posting on our website at If you find the Agreement unacceptable to you at any time, please discontinue your use of the Services. Your use of the Services after we have made such changes available will be considered your consent and agreement to the change. 700Life may, from time to time, introduce new features to the Services or modify or delete existing features in our sole discretion. 700Life shall notify you of any of these changes to features if we are legally bound to do so. By using any new or modified features when they become available, you agree to be bound by the rules concerning those features.

Eligibility. To be eligible to use our Services, you must be an individual at least 18 years old that is able to form legally binding contracts under applicable law and a resident of the United States with a postal mailing address in the United States.

Identity Authentication. To help the government fight terrorism and money laundering activities, we obtain, verify and sometimes store personal information. You authorize 700Life, directly and through third parties, to make any inquiries we consider necessary to verify your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial account and verifying your information against third party databases or through other sources. If we cannot verify your information to the extent we deem necessary, we may not be able to allow you to use the Services.

Consent To Share Payment History. You authorize and permit your landlords to share details of your existing and past leases with 700Life. You further authorize and permit 700Life to obtain updated information periodically from any and all current landlords while your lease is still in effect.

Restricted Activities. You agree that you will not:

  • Activate multiple registrations without prior consent by 700Life, whether such registration was completed fraudulently, falsely or unlawfully, or by legitimate and lawful means such as the use of alternate but valid names, different contact information, separate bank-account numbers and other pertinent data

  • Undertake any fraud, intentional or negligent misrepresentation or any unlawful act relating to the use of 700Life' website or Services or otherwise provide false, accurate or misleading information or otherwise participate in a fraudulent transaction, including, without limitation, providing payment source information that you have not been authorized to provide or use.

  • Breach this Agreement or any other agreement that you have entered into with 700Life (including any policy to which you become subject) Violate any law, statute, ordinance or regulation in connection with your use of the Services or access of our website

  • Infringe 700Life' or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights or rights of publicity or privacy refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us

Notices to You. You agree that 700Life may provide notice to you by posting it on our website, emailing it to the email address listed in your account or mailing it to the street address listed in your account. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you three (3) Business Days after it is sent. You also consent to allow 700Life to respond to any inquiries by e-mail regardless of the format of the original inquiry. You may request a paper copy of any legally required disclosures, and you may terminate your consent to receive required disclosures through electronic communications by contacting Rental History Pros. Rental History Pros reserves the right to close your account if you withdraw your consent to receive electronic communications. You further agree to the Electronic Signature and Uniform Electronic Transactions Act Disclosure and Consent Agreement provided herein, which is incorporated herein.

Notices to 700Life. Except as otherwise expressly stated herein, notice to 700Life must be sent by postal mail to: 700Life, 28150 N. Alma School Rd, Scottsdale, AZ 85262.

Termination by 700Life. We, in our sole discretion, reserve the right to terminate this Agreement, access to our website or access to the Services or cancel your usage for any reason and at any time upon notice to you. If we close your account, terminate your use of our Services or cancel your ability to access the Services for any reason, we will provide you with notice of our actions. If we limit access to your account, we will provide you with notice of our actions and the opportunity to request restoration of access, if appropriate. An individual whose account is terminated or Services cancelled may be denied further access to the secure portion of our website and future use and enjoyment of the Services. Users will remain liable for all outstanding obligations to 700Life under this Agreement even after any such termination.

II. Credit Reporting

700Life will report rent payments made by you to a credit reporting agency (a “CRA”), which in part is designed to assist parties in establishing a credit history and/or a credit score.

Once payments have been reported by 700Life to a CRA, the reporting of those payments cannot be modified, amended or canceled.

To be eligible for reporting to a CRA, 700Life will need to verify the existence of a valid written lease, including verifying that the User is listed as a lessee. Additionally, 700Life will need to verify certain lease details with the landlord, i.e. the lease payment amounts due and due dates. If 700Life is unable to verify any and all necessary information for reporting, 700Life may not necessarily contact the User and will not be able to report the User's payments to any CRA.

Service Fee. 700Life is not a rent payment platform and must independently verify the user's rent payments with the Landlord each month to verify that the user is maintaining the rental agreement and making all applicable rent payments for a one year period. There is a one-time enrollment fee to register as a renter with 700Life.

III. Mobile Terms and Conditions

700Life offers text messages up to 3 times per week.

700Life is committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the customer and their data. For more information you can view a copy of our privacy policy online.

700Life does not have a separate charge for this service; however, message and data rates may apply from your mobile carrier. Subject to the terms and conditions of your mobile carrier, you may receive text messages sent to your mobile phone. Participation in the programs on this short code are standard rated (no premium content). T-Mobile®, and other carriers are not liable for any delay or undelivered messages.

By providing your consent to receive SMS about this program, you approve any such charges from your mobile carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance. 700Life reserves the right to terminate this SMS service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. You are responsible for managing the types of SMS texts you receive. If you have any questions or need help, text HELP to 68221, or call 888-401-2252.

To stop receiving text messages, text STOP, END, QUIT, CANCEL, or UNSUBSCRIBE to 68221. By enrolling in this subscription program, you consent that following such a request to unsubscribe, you will receive one (1) final message from 700Life confirming that you have been inactivated in our system. Following such confirmation message, no additional text messages will be sent unless you re-activate your subscription.

Supported carriers:

This program is available to subscribers of Boost, AT&T, T-Mobile®, Dobson, Verizon Wireless, Sprint, U.S. Cellular, C Spire Wireless, Virgin Mobile, Cellcom, NTelos, GetLisa, Metro PCS & Cricket Communications.

Our Privacy Policy may be viewed here.

IV. Choice of Venue

The laws of Arizona, U.S.A., excluding Arizona's conflict of laws rules, will apply to any disputes arising out of or relating to these terms or the Services. All claims arising out of or relating to these terms or the Services will be litigated exclusively in the federal or state courts of Maricopa County, Arizona, USA, and you and 700Life consent to personal jurisdiction in those courts. You and 700Life agree that any cuase of action arising out of or related to the Services must commence within one (1) year after the action accrues. Otherwise, such cause of action is permanently barred.

V. Updates To These Terms

700Life reserves the right at any time to modify these Terms and impose new or additional terms and conditions on your use of the Service without notice to you. Such modifications and additional terms and conditions will be effective immediately and incorporated into these Terms. Your continued use of the Service will be deemed acceptance thereof.

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