Lexington Law And CreditRepair.com Lawsuit, $1.8 Billion in Refund Checks Being Mailed Between December 5, 2024, and January 6, 2025, Did You Get yours?
The CFPB won a $2.7 billion judgment against Lexington Law and CreditRepair.com for charging illegal upfront fees and deceptive marketing. Between December 5, 2024, and January 6, 2025, JND Legal Administration is mailing $1.8 billion in refund checks to 4.3 million affected consumers who paid for credit repair services between July 21, 2011, and August 30, 2023. You don’t need to file a claim—eligible consumers have already been identified and checks are being automatically mailed.
Here’s what millions of people who trusted credit repair companies never expected: while you paid monthly fees hoping to fix your credit, Lexington Law and CreditRepair.com were breaking federal law by charging you before doing any actual work. Now the government is mailing out the biggest consumer refund in CFPB history—but scammers are trying to steal it.
What the CFPB Lawsuit Against Lexington Law Alleged
The Consumer Financial Protection Bureau sued Lexington Law, CreditRepair.com, and their parent companies (PGX Holdings, Progrexion Marketing, and John C. Heath Attorney-at-Law PC) for violating federal telemarketing laws.
The court found these companies:
- Charged illegal upfront fees before providing credit repair services through telemarketing
- Used bait-and-switch advertising promising free or cheap services, then charged much more
- Failed to wait at least 6 months to prove credit improvement before charging fees
- Deceived consumers with unclear terms and cancellation procedures
In March 2023, the U.S. District Court ruled the companies violated the Telemarketing Sales Rule’s advance fee provision. In August 2023, the court entered a final judgment imposing a $2.7 billion judgment against the companies.
Both companies filed for Chapter 11 bankruptcy in August 2023, shut down 80% of their operations, and laid off approximately 900 employees.
Who Gets a Refund Check?
You’re eligible for a refund if:
You made a payment to Lexington Law or CreditRepair.com for credit repair services between March 8, 2016, and August 30, 2023, after being subject to telemarketing
OR
You made a payment between July 21, 2011, and August 30, 2023, after being live-transferred by one of their marketing affiliates engaged in deceptive marketing
The CFPB identified eligible consumers using records from Lexington Law and CreditRepair.com. If you qualify, you don’t need to do anything—your check is being mailed automatically.
How Much Money Are You Getting?
The $1.8 billion distribution covers 4.3 million consumers, with individual amounts calculated based on a pro-rata share of fees you paid.
Payment calculation example: If you paid $1,000 in fees and the total fees paid by all consumers equals $10 million, and the settlement fund is $2.7 million, you’d receive approximately 27% of what you paid ($270).
Actual refund amounts vary based on:
- Total fees you paid to Lexington Law or CreditRepair.com
- Total fees paid by all eligible consumers
- Available settlement funds after administrative costs
Most consumers are receiving checks worth hundreds of dollars, though exact amounts depend on individual circumstances.
When Will You Receive Your Check?
Mailing period: December 5, 2024 – January 6, 2025
JND Legal Administration is mailing physical checks to all eligible consumers during this six-week window. If you haven’t received your check by mid-January 2025, contact JND Legal Administration.
Check expiration dates:
- Original checks issued December 2024 – January 2025: Expire April 6, 2025
- Reissued checks (September 2025 batch): Expire December 11, 2025
If your check expires, you can request a reissue. The first reissue run occurred in mid-February 2025, with additional reissue runs every two months.
How to Request a Reissued Check
If your check expired or was lost, stolen, destroyed, or never arrived:
Online: Visit www.cfpb-lexlaw.org and submit a reissue request through the Contact Us page
Email: [email protected] with your full name, mailing address, and reason for reissue
Phone: 1-855-680-8991 (Monday-Friday, 8 AM – 9 PM EST, except holidays)
Mail: Lexington Law Matter c/o JND Legal Administration P.O. Box 91015 Seattle, WA 98111
Important timing: Wait until October 1, 2025, before requesting additional reissues to allow USPS sufficient delivery time for checks reissued in September 2025.
Reissue requests are processed in scheduled runs approximately every two months. Complete requests received by mid-January 2025 were included in the mid-February 2025 reissue run.
Where to Cash Your Check
If you don’t have a bank account:
Wells Fargo branches will cash your Lexington Law/CreditRepair.com refund check for free with valid ID matching the name on the check. Just present the check to a teller.
Alternatively, you can use check-cashing services or retail establishments that cash checks, though they may charge fees.
Warning: Scams Targeting Refund Recipients
The CFPB has received multiple reports of scammers attempting to steal refund money. Watch out for these red flags:
❌ Anyone claiming they can “help” you receive funds from the settlement ❌ Requests for banking details, Social Security number, date of birth, or credit card numbers ❌ Anyone asking you to send money or gift cards before or after cashing your check ❌ Companies offering to “advance” you money from the distribution ❌ Requests for fees to “process” or “expedite” your check
Remember: You do NOT need to take any action or pay any fees to receive or cash your legitimate refund check. The CFPB has already identified eligible consumers, and checks are being mailed automatically.
To verify your check is legitimate, call 1-855-680-8991 and a live agent can validate it, or visit www.cfpb.gov/payments/lexlaw to confirm this is an active matter.
What If the Check Is Made Out to a Deceased Person?
If you received a check made out to a deceased family member, it can be reissued to:
- The sole beneficiary of the estate
- The estate itself
Submit proper documentation in writing to:
Lexington Law Matter c/o JND Legal Administration P.O. Box 91015 Seattle, WA 98111
Only send copies of documents, not originals. Processing takes longer for mailed requests.
What the Court Ordered Lexington Law and CreditRepair.com to Do
The August 2023 final judgment requires:
$2.7 billion judgment for consumer redress: Due to the companies’ bankruptcy and financial insolvency, the CFPB is distributing $1.8 billion from its Civil Penalty Fund to harmed consumers
$64.2 million in civil penalties: $45.8 million against Progrexion Marketing and $18.4 million against the John C. Heath law firm
10-year telemarketing ban: The companies cannot telemarket credit repair services for 10 years
Consumer notices: Required to send notices to any remaining enrolled customers about the lawsuit, their right to cancel services, and the cancellation process
Business shutdown: Both companies filed for bankruptcy in August 2023 and shut down approximately 80% of their operations
How This Compares to Other Credit Repair Lawsuits
The Lexington Law and CreditRepair.com case represents the largest CFPB consumer refund distribution ever.
Key numbers:
- $1.8 billion distributed to consumers (largest CFPB Civil Penalty Fund distribution in history)
- 4.3 million affected consumers
- $2.7 billion total judgment
- 10-year telemarketing ban
Previous credit repair enforcement actions by the FTC and state attorneys general resulted in smaller settlements, making this case unprecedented in scope and impact.
The case underscores growing regulatory scrutiny of the credit repair industry, particularly companies using telemarketing to charge upfront fees before providing services.
Your Rights Under the Credit Repair Organizations Act
Federal law (Credit Repair Organizations Act – CROA) protects consumers using credit repair services:
Credit repair companies CANNOT:
- Charge fees before services are fully performed
- Make false claims about what they can do
- Advise you to make false statements
- Perform services without a written contract
You HAVE THE RIGHT TO:
- Cancel the contract within 3 business days without penalty
- Sue a credit repair company that violates your rights
- Dispute inaccurate information on your credit report yourself for free
The Telemarketing Sales Rule adds additional protections, prohibiting advance fees for credit repair services marketed through telemarketing—exactly what Lexington Law and CreditRepair.com were found to have violated.
What You Should Do Right Now
Check your mailbox for a refund check from JND Legal Administration if you used Lexington Law or CreditRepair.com between 2011-2023
Don’t respond to scammers claiming they can help you get your refund—you don’t need help and shouldn’t pay anyone
Verify suspicious checks by calling 1-855-680-8991 or visiting www.cfpb-lexlaw.org
Cash your check before it expires (April 6, 2025, for original checks; December 11, 2025, for September reissues)
Request a reissue if needed through www.cfpb-lexlaw.org or by calling 1-855-680-8991
Monitor your credit for free at AnnualCreditReport.com—you can dispute inaccurate information yourself without paying anyone
Report scams to the CFPB at www.consumerfinance.gov/complaint or by calling (855) 411-CFPB (2372)
Frequently Asked Questions
Do I need to file a claim to get my refund?
No. The CFPB has already identified eligible consumers using records from Lexington Law and CreditRepair.com. Checks are being mailed automatically—you don’t need to take any action.
What if I moved since using these services?
Contact JND Legal Administration at 1-855-680-8991 or [email protected] to update your mailing address for check reissue.
Can I get a direct deposit instead of a check?
No. All payments are being issued as physical checks mailed to eligible consumers.
What if I didn’t receive a check but think I should have?
If you haven’t received a check by mid-January 2025 and believe you’re eligible, contact JND Legal Administration at www.cfpb-lexlaw.org or call 1-855-680-8991 to inquire about your eligibility status.
Will this refund affect my taxes?
Refunds of previously paid fees are generally not taxable income. However, consult a tax professional for your specific situation.
Can I still dispute items on my credit report myself?
Yes. You always have the right to dispute inaccurate information on your credit report for free by contacting the credit bureaus directly. You don’t need to pay a credit repair company.
What if I still have an active account with Lexington Law or CreditRepair.com?
You should have received a notice about your right to cancel. Both companies have largely shut down operations following their bankruptcy filings in August 2023.
Are there other credit repair companies I should avoid?
Watch for red flags: upfront fees before work is done, promises to remove accurate negative information, pressure to sign contracts immediately, or lack of clear written terms. Always check with your state attorney general and the CFPB for complaints against any company you’re considering.
Key Takeaways
$1.8 billion in refund checks are being mailed to 4.3 million consumers between December 5, 2024, and January 6, 2025
You don’t need to file a claim—eligible consumers have been automatically identified and checks are being mailed
Original checks expire April 6, 2025—cash promptly or request a reissue
Beware of scams—legitimate checks require no action, fees, or personal information from you
Request reissues at www.cfpb-lexlaw.org, by email at [email protected], by phone at 1-855-680-8991, or by mail
Wells Fargo will cash checks for free with valid ID
This landmark case shuts down two of America’s largest credit repair companies for charging illegal upfront fees and deceiving consumers. If you used these services, your refund is already on its way—just watch your mailbox and ignore anyone claiming they can “help” you get it.
Need Help?
Official Settlement Website: www.cfpb-lexlaw.org Phone: 1-855-680-8991 (Monday-Friday, 8 AM-9 PM EST) Email: [email protected] Mail: Lexington Law Matter, c/o JND Legal Administration, P.O. Box 91015, Seattle, WA 98111
For information about your credit repair rights, visit the Consumer Financial Protection Bureau or call (855) 411-CFPB (2372).
To dispute credit report errors yourself for free, visit AnnualCreditReport.com.
About the Author
Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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