Credit Exterminators Credit Repair Settlement, Check If You Qualify — Atterbury v. Earn Company, No. 210400637

If you signed a credit repair contract with Earn Company, Earn Finance Company LLC, or Credit Exterminators Inc. on or after February 10, 2016, yes, you’re likely included. There’s a $125,000.00 fund and an estimated $60.00 per person. You don’t file anything. The case is Atterbury v. Earn Company, No. 210400637.

Credit Exterminators Credit Repair Settlement — Key Facts

Field	Detail
Settlement Amount	$125,000.00 gross fund, paid over about two years
Claim Deadline	None. No claim form; payment is automatic if the court approves (objection deadline: December 26, 2026)
Who Qualifies	People who entered a Credit Repair Services Agreement with Earn Company, Earn Finance Company LLC, or Credit Exterminators Inc. on or after February 10, 2016
Estimated Payout	About $60.00 per class member
Proof Required	No
Settlement Status	Proposed. Final fairness hearing January 20, 2027, 10:00 a.m., Courtroom 636
Court & Case Number	Philadelphia County Court of Common Pleas, No. 210400637 (April Term 2021, No. 00637)
Law Alleged	Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.
Administrator	Settlement Administrator, P.O. Box 23678, Jacksonville, FL 32241 (company name not stated in the notice)
Official Claim Site	creditexterminatorsclassaction.com (payment-method selection only; no claim form)
Last Updated	October 1, 2026

Who Is Credit Exterminators and Why Are They Being Sued Over Credit Repair Fees?

Credit Exterminators Inc., Earn Company and Earn Finance Company LLC sold credit repair services to people trying to fix their credit. Federal law is strict about that business. The lawsuit says their contracts had illegal terms and charged unlawful upfront fees, and although the defendants deny it, the court certified the class on April 18, 2023.

What Did Credit Exterminators Do to Credit Repair Customers Since February 10, 2016?

Christina Atterbury sued in April 2021. She says the defendants used contracts with illegal provisions and charged upfront fees that the Credit Repair Organizations Act bans. That federal law, known as CROA, exists to stop credit repair companies from taking your money before the work is done.

The defendants deny breaking any law. But the notice says they appear insolvent and may file for bankruptcy, so a courtroom win might have paid nothing. The settlement is “better than the likely alternative, which is none.”

If credit reports are your bigger worry, our Equifax Credit Reporting Error Settlement, Check If You Qualify article covers a separate case. A paper win wouldn’t have paid you, which is why this deal matters.

Who Qualifies for the Credit Exterminators Credit Repair Settlement?

Here’s exactly how to know if you’re part of the Credit Exterminators settlement.

• Customers who signed a Credit Repair Services Agreement with Earn Company on or after February 10, 2016
• Anyone whose agreement was with Earn Finance Company LLC
• Those who contracted with Credit Exterminators Inc. in that same window

If you got the notice, the defendants’ records already list you. Other exclusions are UNVERIFIED, since I didn’t open the full Settlement Agreement.

Did you sign up for credit repair with one of these three companies since 2016? Then look for a notice in your mailbox.

Credit Exterminators Customers Outside Pennsylvania — Are You Still Covered?

The case sits in Philadelphia, but the class is defined by contract and date, not by where you live. Nothing in the notice limits it to Pennsylvania residents.

Not sure if you qualify for the Credit Exterminators settlement? A free consultation with a consumer rights lawyer can help before the December 26, 2026 objection deadline.

How Much Can Credit Exterminators Settlement Class Members Get? About $60.00 Per Person

The notice expects about $60.00 per class member from the $125,000.00 fund. Expenses, the service award and administration costs come out first.

Credit Exterminators Payout Without Proof — About $60.00

You don’t submit documents. If the court approves, you receive a check unless you pick an electronic method on the case website.

What Pro-Rata Means for Your Credit Exterminators Check

You get a proportionate share of the net fund. More class members means smaller checks. The defendants’ payment plan runs about two years after final approval.

Here’s my own rough math, not the notice’s. Take about $24,000 in expenses and the $1,000.00 service award out of $125,000.00, and roughly $100,000 remains before administration costs. At $60.00 a person, that suggests a class under about 1,700 people.

Payments over $600 may appear on a 1099. Check with a tax professional.

If your name is in their records, you don’t need to prove anything. Just keep your address current. And class counsel isn’t asking for any attorney fees, only about $24,000 in expenses, which is unusual.

Related article: Best Buy Insignia Pressure Cooker Lawsuit, Denise Fuller-Hines Alleges Severe Burn Injuries

How to Get Your Credit Exterminators Settlement Payment — Step by Step

1. Find your notice, which carries your Notice ID and PIN.
2. Do nothing if a mailed check works. You’re paid automatically if the court approves.
3. Want electronic payment? Use Select Payment Method at creditexterminatorsclassaction.com.
4. Moved? Use the site’s Update Address page, or email or mail the administrator with your Notice ID.
5. Changed your name or acting for a deceased class member? Send the administrator a marriage license, divorce decree, court order or death certificate with proof of the new payee.
6. Objecting? Mail your letter by December 26, 2026.

The objection deadline is 86 days from today, and the hearing is 111 days out. A two-minute address update now can prevent a lost check later.

Should Credit Exterminators Class Members Opt Out or Object Before December 26, 2026?

What Opting Out of the Credit Exterminators Settlement Actually Means

The notice lists three options: do nothing, object, or go to the hearing. It doesn’t offer an opt-out. UNVERIFIED — I can’t tell from the notice whether an earlier opt-out window followed the April 18, 2023 certification.

How to Object to the Credit Exterminators Settlement

You stay in the class and tell the court you disagree. Mail a signed letter to all three addresses below by December 26, 2026, with the case number, your contact details and your reasons.

• Settlement Administrator: Atterbury v. Earn Company, P.O. Box 23678, Jacksonville, FL 32241
• Class Counsel: Flitter Milz, P.C., 450 N. Narberth Ave., Suite 101, Narberth, PA 19072
• Defendants’ Counsel: Dailey LLP, 1650 Market St., Suite 3600, Philadelphia, PA 19103

Talk to a class action lawsuit attorney before December 26, 2026 if you’re considering objecting.

Credit Exterminators Credit Repair Settlement — Key Dates, 2026

Milestone	Date
Class Certified	April 18, 2023
Settlement Proposed	UNVERIFIED — agreement date not reviewed
Claims Period Opens	N/A — no claim form
Claim Filing Deadline	N/A — no claim form
Opt-Out Deadline	None stated in the notice
Objection Deadline	December 26, 2026
Final Approval Hearing	January 20, 2027, 10:00 a.m., Courtroom 636
Expected Payment Date	About two years after final approval and any appeals

Credit Exterminators Credit Repair Settlement — Frequently Asked Questions, No. 210400637

Do I need a lawyer to get a Credit Exterminators settlement payment?

 No. Flitter Milz, P.C. serves as Class Counsel, and you aren’t charged individually. You’re paid automatically if the Philadelphia court approves the $125,000.00 settlement.

Is the Credit Exterminators credit repair settlement legitimate?

 Yes. A Pennsylvania court authorized the notice in Atterbury v. Earn Company, No. 210400637, in the Philadelphia County Court of Common Pleas. The court still must grant final approval at the January 20, 2027 hearing.

When will Credit Exterminators settlement payments be sent? 

About two years after final approval and any appeals, under the defendants’ payment plan. The fairness hearing is January 20, 2027, so don’t expect a check soon.

What if I missed the Credit Exterminators claim deadline?

 There isn’t one, because no claim form exists. The only dated action is the December 26, 2026 objection deadline. Keeping your address current protects your payment.

Will my Credit Exterminators settlement payment go on a 1099?

 Possibly, for payments over $600. The notice expects about $60.00 per class member, so most checks should fall well under that. Ask a tax professional about your situation.

How much will I get from the Credit Exterminators settlement? 

About $60.00 per class member, according to the notice. That comes from the $125,000.00 fund after roughly $24,000 in expenses, a $1,000.00 service award and administration costs.

I never got a notice. Do I qualify for the Credit Exterminators settlement?

 Maybe. The class includes anyone with a qualifying agreement since February 10, 2016, but notices go to people in the defendants’ records. Contact the administrator at [email protected] or Class Counsel at 888-668-1225.

Sources Used in This Credit Exterminators Credit Repair Settlement Article

• Official settlement site — Case Home, accessed October 1, 2026: https://www.creditexterminatorsclassaction.com/
• Official settlement site — Frequently Asked Questions: https://www.creditexterminatorsclassaction.com/page/faq
• Official settlement site — Important Court Documents: https://www.creditexterminatorsclassaction.com/page/docs
• Official settlement site — Key Dates: https://www.creditexterminatorsclassaction.com/page/dates
• Court-authorized Long Form Notice, Atterbury v. Earn Company, No. 210400637 (Phila. C.C.P.): https://www.creditexterminatorsclassaction.com/request-document/6e84d5d6d9aab01753cb953496449b2b

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against official court records and the court-authorized Long Form Notice on October 1, 2026. Last Updated: October 1, 2026.

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.