Published
September 14, 2025
Updated
September 26, 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. A second distribution of $117 million is now mailing from late September through October 2026 to consumers who cashed their first check by June 30, 2026, and reissues are still going out to anyone who never received or cashed the first one.
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
Second Checks Mailing
$117M second distribution, late September – October 2026
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. Reissue runs began in the middle of February 2025 and are still running; the official case website now says they happen about the fourth week of each month, with no guarantee a request lands in the very next run.Reissue requests go through the official case website, cfpb-lexlaw.org, through its Contact Us form, 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. They now run about the fourth week of each month, and reissued checks are valid for 90 days from the date of issue.
• 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.
• June 30, 2026: Cutoff for the second distribution — only consumers who cashed their initial check on or before this date qualify.
• Late September – October 2026: Second checks mailed from the $117,058,683.11 second distribution. Allow one to three weeks for USPS delivery.
• 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 Contact Us form on the official case website with the Unique ID, name and current address. Reissues go out in the monthly run held about the fourth week of the month, and a reissued check is valid for 90 days from its issue date, so deposit it promptly.
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 left the consumer out of the second distribution, which went only to consumers who cashed their initial check by June 30, 2026. 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?
Yes. The CFPB allocated another $117,058,683.11 to this matter for a second distribution, according to the official case website run by JND Legal Administration. Second checks are being mailed starting in late September and continuing through October 2026, and the administrator says to allow one to three weeks for USPS delivery.Two conditions decide who gets one. The consumer must have cashed the initial check on or before June 30, 2026, and the consumer’s calculated payment amount must be $10 or more. Anyone unsure whether the first check was cashed can look in their bank records for a deposit between December 5, 2024 and June 30, 2026.
Like the first round, it is automatic. There is no claim form, no registration and nothing to sign; checks go to the addresses the CFPB and JND already hold. A second check that needs corrected details or a new address is handled through the Contact Us form on the official case website.
A consumer who never cashed the first check is not in line for this second payment — the route back in is a reissue of the original check. 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 administrator’s guidance is that you do not need to do anything to receive and cash a valid check from this distribution.
Was There a Second Email About the Lexington Law Refund?
Yes — and it is legitimate. The administrator emailed notices about the upcoming second payment, and the official case website says that a consumer who received the notice was deemed eligible, because it went to people who cashed their first check in the qualifying window. The notice asks you to do nothing; the money itself still arrives as a paper check in the mail. 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
• CFPB — Press release on the $1.8 billion distribution (December 5, 2024)
• CFPB — Enforcement action: PGX Holdings, Inc., et al.
• Stipulated Final Judgment and Order (August 30, 2023)
• CFPB amended complaint (August 17, 2022)
• CFPB original complaint (May 2, 2019)
| Settlement Summary | |
| Status | Second distribution mailing late September – October 2026; reissues ongoing |
|---|---|
| Check Expiration | Void date printed on each check; reissued checks are valid for 90 days from issue |
| Next Action | Never received or never cashed a check? Request a reissue through the official case website |
| Second Round | $117,058,683.11 — automatic, to consumers who cashed the first check by June 30, 2026 with a calculated payment of $10 or more |
| 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 |
