Published
September 14, 2025
Updated
July 10, 2026
If you paid Lexington Law or CreditRepair.com for credit repair, the CFPB may have mailed you an automatic refund check — here is how to tell if it is real and the deadline to cash it.
What is the Lexington Law CreditRepair.com Settlement About?
Lexington Law is facing a $2.7 billion lawsuit, and 4.3 million people are set to receive refund checks. Here’s how to see if you are one of them.The Consumer Financial Protection Bureau (CFPB) brought an enforcement action against Lexington Law and CreditRepair.com for unlawful credit repair practices. As part of the legal order, harmed consumers are receiving refund checks mailed automatically using addresses and harm amounts collected by the CFPB.
Status
Refunds Being Mailed
reissued checks expire December 11, 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.
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 are mailed automatically to people who paid for credit repair services during the covered period.Is the Lexington Law refund check legitimate?
Yes, if your check came directly from the official settlement 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?
Consumers are asked to wait until October 1, 2025 before requesting a reissue, to allow USPS delivery. If you still have not received your reissued check, you may contact the administrato.: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?
You can confirm this distribution is official at cfpb.gov/payments/lexlaw or by calling the CFPB directly.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?
• December 11, 2025: Expiration date for checks reissued in September 2025.
• If you did not cash your original check, you may already have a reissued one in the mail.
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?
If your check expired without being cashed, it may already have been reissued. Checks reissued in September 2025 expire on December 11, 2025. After October 1, 2025, you may contact the administrator to request another reissue if needed.What Happens if I Do Not Cash My Check?
If you do not cash your check before the expiration date (December 11, 2025 for the September reissues), the funds may be forfeited. Consumers are encouraged to deposit or cash their checks promptly.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. You can update your information by contacting the official Lexington Law settlement administrator.Free settlement alerts
Get notified when new class actions open to claims
Join thousands of readers who get the latest class action settlements you may qualify for — delivered straight to your inbox.
Sources
• CFPB Official Page• JND Legal Administration
| Settlement Summary | |
| Status | Refund Distribution In Progress |
|---|---|
| Check Expiration | December 11, 2025 (for September reissues) |
| Next Action | Wait until Oct 1, 2025 before requesting a reissue |
| Scam Warning | No fees, banking info, or personal details required to get paid |
| Administrator | JND Legal Administration |
| CFPB Validation | cfpb.gov/payments/lexlaw |
