Published
September 14, 2025
Updated
September 13, 2026
More than 4.3 million people who paid Lexington Law or CreditRepair.com for credit repair received automatic CFPB refund checks in a $1.8 billion distribution that ran from December 5, 2024 to January 6, 2025. Reissues are still going out to consumers who never received or never cashed a check, and the CFPB says a second round is possible if funds remain.
What is the Lexington Law CreditRepair.com Settlement About?
The CFPB won a $2.7 billion judgment against Lexington Law and CreditRepair.com, and more than 4.3 million people were identified as harmed and mailed refund checks. Here is how to tell whether a check is one of them and what to do if yours never arrived.The Consumer Financial Protection Bureau (CFPB) brought an enforcement action against Lexington Law and CreditRepair.com for unlawful credit repair practices. Under the resulting order, harmed consumers were mailed refund checks automatically, using the addresses and harm amounts the CFPB collected from the companies’ records. Nobody had to apply.
Status
Reissues Ongoing
initial distribution ran December 5, 2024 – January 6, 2025
Total Judgment
$2.7 Billion
~$1.8B distributed to 4.3M+ harmed consumers
Claim Required
No — Automatic
checks mailed automatically to identified victims
Proof Required
No
Who Are Lexington Law and CreditRepair.com?
Lexington Law and CreditRepair.com are two of the largest credit repair companies in the United States. They sold services promising to improve consumers' credit scores by challenging or removing items from credit reports.The Consumer Financial Protection Bureau (also known as the "CFPB") originally alleged that both companies violated federal law by charging illegal upfront fees for credit repair services and using deceptive telemarketing practices. In 2023, a court ruled against them, resulting in billions of dollars in judgments and refunds to harmed consumers.
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Why did I get a Lexington Law refund check?
The Consumer Financial Protection Bureau (CFPB) identified you as a harmed consumer in its enforcement action against Lexington Law and CreditRepair.com. Checks were mailed automatically to people who paid for credit repair services during the covered period, with no application and no claim form.Is the Lexington Law refund check legitimate?
Yes, if the check came from the official administrator, JND Legal Administration, and references the CFPB case, it is valid. You do not need to provide banking details or pay any fees to receive your refund. Be cautious of scams that ask for money or personal information.What if I Have Not Received My Check?
The initial distribution finished on January 6, 2025, so a consumer who qualified and has never received a check at all is past the mailing window and needs a reissue rather than a first mailing. Reissues go out in scheduled runs roughly once every two months, which the CFPB says began in the middle of February 2025, and they are still running.Reissue requests go through the official case website, cfpb-lexlaw.org, and the administrator asks for the Unique ID from the original notice or check along with a name and current address. There is no claim form and no filing deadline attached to any of this — the CFPB has said there will not be opportunities to file claims in this redress case, because eligibility came from the companies’ own records.
What is the CFPB?
The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency created in 2010 to protect consumers from unfair, deceptive, or abusive financial practices. The CFPB enforces federal consumer financial laws, supervises companies like banks and credit repair services, and ensures that harmed consumers receive refunds or compensation when companies break the law. CFPB enforcement orders regularly produce automatic refund checks like these — the latest example is Block, Inc.'s Cash App order, with checks mailing in June 2026 (see our Cash App CFPB Settlement Checks article).Where Can I Validate This?
The CFPB keeps a payments page for this matter at consumerfinance.gov/payments/lexlaw, which lists the compensation status and the eligibility periods. The underlying case is Bureau of Consumer Financial Protection v. Progrexion Marketing, Inc., No. 2:19-cv-00298-BSJ, in the U.S. District Court for the District of Utah. Anything that does not trace back to those is not part of this distribution.What is the Total Settlement Amount?
The CFPB obtained a $2.7 billion judgment against Lexington Law and CreditRepair.com. Of that, about $1.8 billion is being distributed to harmed consumers in the form of refund checks.How Many Consumers Are Receiving Payments?
More than 4.3 million consumers were identified by the CFPB as harmed and are eligible to receive refund checks automatically.What Time Period Does Eligibility Cover?
Consumers are eligible if they:• Paid for credit repair services between March 8, 2016 and August 30, 2023 and were solicited through telemarketing by the defendants.
• Or paid for services between July 21, 2011 and August 30, 2023 if they were live-transferred to Lexington Law or CreditRepair.com by a deceptive affiliate.
What are the Important Dates?
• August 30, 2023: End of the covered period. Payments made after that date are outside the distribution.
• December 5, 2024 – January 6, 2025: The initial distribution, when JND Legal Administration mailed the $1.8 billion in redress and civil penalty funds.
• Mid-February 2025: Reissue runs began, and the CFPB says they occur about once every two months.
• December 11, 2025: Void date on the batch of checks reissued in September 2025. That date has passed; a check from that batch that was never cashed has to be reissued again.
• There is no claim deadline, because there is no claim process — nothing on this program requires a consumer to file anything by a date.
Do I Need to File a Claim?
No. You do not need to file a claim form. The CFPB already collected addresses and payment records to mail checks directly to qualifying victims.How Are Payments Calculated?
Payments are calculated on a pro rata basis based on the fees you paid to Lexington Law or CreditRepair.com. Your check amount may not equal the total fees you were charged.Taxes on the Refund
OpenClassActions.com does not provide tax advice. For questions about how a refund affects your taxes, contact the IRS or a qualified tax professional.What if My Check is Lost, Damaged, or Expired?
A lost, damaged or expired check can be reissued. Each check carries its own void date printed on it — the batch reissued in September 2025 carried December 11, 2025 — so a check found in a drawer today has very likely expired and needs replacing rather than depositing.Request the replacement through the official case website with the Unique ID, name and current address. Reissues then go out with the next scheduled run rather than immediately, so expect a wait measured in weeks, not days.
What Happens if I Do Not Cash My Check?
The check stops being negotiable after the void date printed on it, and a bank will refuse it. The money is not gone at that point — it can be reissued on request — but it is out of reach until a replacement is issued, and an uncashed check also leaves the consumer out of any later distribution, since the CFPB has said additional checks would go to consumers who cashed their initial check. Depositing or cashing the check promptly is what keeps both routes open.Was There a Second Round of Checks in the Lexington Law and CreditRepair.com Refund?
A second round of checks is possible but not guaranteed, and no second distribution has been announced. The CFPB has said that if funds remain after the distribution is complete, additional checks may be sent to consumers who cashed their first check. That is a condition, not a scheduled payment — it depends on money being left over once the first distribution and its reissues are finished.If a second distribution does happen, it works the way the first one did. Checks go out automatically to consumers who cashed their initial check, using the records the CFPB and JND Legal Administration already hold. There is no claim form, no registration and no deadline to meet, so a consumer who cashed the first check does not need to do anything to be included in a later one.
A consumer who never cashed the first check is not in line for a second one — the route back in is a reissue of the original check, not a second payment. And anyone who offers to “release,” “unlock” or speed up a second check in exchange for a fee or your account details is running a scam: the CFPB’s guidance for this distribution is that you do not need to do anything to receive and cash a valid check from it.
Was There a Second Email About the Lexington Law Refund?
No email is part of receiving a payment in this distribution. Payments arrive as a paper check in the mail, and no refund here depends on answering an email. An email that asks for banking credentials, a Social Security number, a card number, a gift card or a fee in order to send a refund is not from the CFPB or the administrator, whatever it looks like. You can confirm what is official at consumerfinance.gov/payments/lexlaw.What if I Moved and Did Not Get My Check?
If you changed addresses since you paid for Lexington Law or CreditRepair.com services, your check may have been mailed to an old address. An address change is handled the same way as a reissue: submit the Unique ID, name and current address through the official case website, and the replacement check goes out with the next scheduled run.Sources
• CFPB — Payments to harmed consumers: Lexington Law and CreditRepair.com• Official case website — CFPB v. Progrexion Marketing, Inc. (JND Legal Administration)
• CFPB — CreditRepair.com and Lexington Law refund checks: What you need to know
| Settlement Summary | |
| Status | Initial distribution complete (January 6, 2025); reissues ongoing |
|---|---|
| Check Expiration | Void date printed on each check; the September 2025 reissue batch expired December 11, 2025 |
| Next Action | Never received or never cashed a check? Request a reissue through the official case website |
| Second Round | Possible if funds remain — automatic, to consumers who cashed the first check |
| Scam Warning | No fees, banking info, or personal details required to get paid |
| Administrator | JND Legal Administration |
| Case | CFPB v. Progrexion Marketing, Inc., No. 2:19-cv-00298-BSJ (D. Utah) |
| CFPB Validation | consumerfinance.gov/payments/lexlaw |
