The Consumer Financial Protection Bureau (CFPB) is a federal government agency that enforces laws that protect consumers. The CFPB took enforcement action against Lexington Law, CreditRepair.com and their parent companies. The CFPB alleged the companies illegally charged upfront fees and engaged in deceptive, bait-and-switch advertising for credit repair services in violation of the Consumer Financial Protection Act of 2010 and the Telemarketing Sales Rule. All eligible consumers have been identified by the CFPB, and there is no opportunity for additional claims in this matter.

This distribution was approved by the Consumer Financial Protection Bureau, or CFPB, and is not a scam. You do not need to do anything to receive and cash a valid check from this distribution. This payment is the result of a legal action between the CFPB and the companies Lexington Law and CreditRepair.com. As part of the legal settlement, the CFPB collected mailing addresses and harm amounts for all victims in this case. 

We have received reports of bad actors attempting to scam consumers into providing sensitive information or money in exchange for funds from this distribution.

This scam may look like:

• A company or individual claiming they can “help” you receive a check, money, a gift card, or funds in some other format from the Lexington Law or CreditRepair.com matter. This is likely a scam.
• A company or individual asking you for any banking details to issue you a check, for you to cash a check, or to “advance” you money from this distribution. This is likely a scam.
• A company or individual asking you for your social security number, your date of birth, credit card numbers, or bank account numbers. This is likely a scam.
• A company or individual asking you to send them money or a gift card before or after cashing a check. This is likely a scam.
• A company or individual claiming they can help expediate the mailing of your check from this distribution. This is likely a scam.

If you have received a check that looks to you like it may be a scam, you can call 1-855-680-8991 8 am-9 pm EST, Monday-Friday except Holidays, and a live agent can assist you. You can also validate this is an active matter with the CFPB by visiting www.cfpb.gov/payments/lexlaw or calling them toll-free at (855) 411-CFPB (2372). Advice for spotting scams is available by the CFPB on their website.

Eligible harmed consumers have been identified through Lexington Law and CreditRepair.com’s records, which were provided to the CFPB as part of their enforcement action. Eligible consumers made a payment to Lexington Law or CreditRepair.com for Credit Repair Services purchased between March 8, 2016, and August 30, 2023, after being subject to telemarketing regarding Defendants’ Credit Repair Services. They may also have made a payment to Lexington Law or CreditRepair.com from July 21, 2011, through August 30, 2023, after being live-transferred to Lexington Law or CreditRepair.com by one of their marketing affiliates that the CFPB alleged were engaged in deceptive marketing.

If you received a letter and a payment addressed to you, it is because you were identified as an eligible consumer who was illegally charged upfront fees or subjected to deceptive advertising when signing up for credit repair services in violation of the Consumer Financial Protection Act of 2010 and the Telemarketing Sales Rule.

No, we are sorry, but there are no opportunities for claims in this matter.

If you received a check, you have received a refund of fees you paid to the Defendants. This amount may not cover all of the fees you paid to the Defendants.

There is no opportunity to submit claims in this matter and all eligible consumers have been identified by the CFPB. However, if funds remain after this distribution, additional checks may be sent to consumers who cashed their initial check. There is no action needed by you.

Payments are calculated based on a pro-rata share of the fees you paid to Lexington Law or CreditRepair.com. This amount may not cover all of the fees you paid to them.

This check is considered a refund of a payment you made to the defendants and is unlikely to be taxable. We are not able to provide specific tax advice. Please reach out to your own tax advisor for any tax related questions.

If you do not have an FDIC insured bank account, you can cash your Lexington Law check at Wells Fargo. You need to talk to a teller and show a valid ID that matches the name on your check. Please note that you cannot take your check to a check cashing service or a supermarket that cashes checks if it is not an FDIC insured financial institution. For more information on what financial institutions are FDIC insured, you can visit https://banks.data.fdic.gov/bankfind-suite/bankfind. For information from the CFPB on opening a new bank account, see consumerfinance.gov/consumer-tools/bank-accounts.

Please be advised that all reissue requests related to this redress matter can submitted through the "Request a Reissue or Update Contact Information" form available on the Contact Us page. If you are requesting a reissue to the same name and address, please select the option to have your check reissued without any updates once you access the form. Once you submit your request, you will receive a confirmation number. Please keep the confirmation number for your records.

If you need to request a reissue with an updated address, updated name, or to a beneficiary or representative of the harmed consumer, then please review the FAQs for those options below.

If you are not able to submit your request via the Contact Us page, then we will accept your request via mail. Please note that mailed in requests will take longer due to the time it takes for the mailing and processing of your request. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

Your Unique ID can be located at the top of your check and/or at the top of your letter that was mailed alongside your check. If you do not have the Unique ID number available, you may call us at 1-855-680-8991 to obtain it.

To update your name or correct the spelling of your name please visit the Contact Us page, click on the "Request a Reissue or Update Contact Information" button and fill out the form to submit your name change request.

Once you access the form, you will need to select either the option to have only your name updated or your name and address updated. You will be required to provide a copy of a government issued ID that displays your current name and appropriate legal documentation indicating the name change. Examples of legal documentation include: a marriage license, divorce decree, or court order.

If you only need to correct a misspelling of your name on the check, then you will need to provide the correct spelling of your name and attach a copy of your government issued ID. Examples of government issued IDs include a driver’s license, real ID, or passport. If you are only correcting the spelling of your name, then you will not be required to provide supporting legal documentation.

Once you submit your request, you will receive a confirmation number. Please keep the confirmation number for your records.

If you are not able submit your request through the Contact Us page, then we will accept your request via mail. Please note that mailed in requests will take longer to process to allow for mailing and processing time. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

To update your address please visit the Contact Us page, click on the "Request a Reissue or Update Contact Information" button and fill out the form to submit your address update.

Once you access the form, you can either select the option to reissue your check and update the address, or you can select the option to update your address only without reissuing the check. Please select the appropriate option for your request.

Please have your old mailing address on record available in order to validate and update your mailing address. Once you submit your request, you will receive a confirmation number. Please keep the confirmation number for your records.

If you are not able to submit your request via the Contact Us page, then we will accept your request via mail. Please note that mailed in requests will take longer due to the time required for the mailing and processing of your request. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

Please visit the Contact Us page, click on the "Request a Reissue or Update Contact Information" button and fill out the form to submit your reissue request. The deceased or incapacitated harmed consumer’s Unique ID is required to access the form and submit your request.

To request that a check be reissued that was sent to a deceased or incapacitated harmed consumer you must provide proper documentation. Upon review of your request, a check can be reissued to the legal beneficiaries, a legal representative, or to the estate itself.

Once you access the form, please select the option that applies to your specific request. In order to complete the form, you will need to provide the death certificate of the deceased harmed consumer and legal documentation identifying the beneficiary or representative of the deceased harmed consumer’s estate. In order to reissue the check to the representative of an incapacitated harmed consumer, you will only need to provide legal documentation identifying the representative of the harmed consumer.

Examples of legal documentation identifying the beneficiary or representative of the deceased harmed consumer’s estate would include a will, small estate affidavit, letters testamentary, or letters of administration.

Once you submit your request, you will receive a confirmation number. Please keep the confirmation number for your records.

If you are cannot submit your request via the Contact Us page, then we will accept your request via mail. Please do not send originals, as we cannot return any documents to you. Please only send copies. Please note that mailed in requests will take longer to process to allow for mailing and processing time. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

The information requested is being collected to determine your eligibility for a Civil Penalty Fund payment from the Consumer Financial Protection Bureau (CFPB) to compensate you for harm suffered from a violation of Federal consumer financial law that was the subject of a Bureau enforcement action.

• Identifying information collected may be used by and disclosed to employees, contractors, agents, and others authorized by the CFPB to receive this information to contact you and/or assist in related activities. It may also be disclosed:
• to a court, magistrate, or administrative tribunal in the course of a proceeding;
• for enforcement, statutory, and regulatory purposes;
• to another federal or state agency or regulatory authority;
• to a member of Congress; to the Department of Justice, a court, an adjudicative body or administrative tribunal, or a party in litigation; and
• pursuant to the CFPB’s published Privacy Act system of records notice, CFPB.025 – Civil Penalty Fund and Bureau-Administered Redress Program Records.

The collection of this information is authorized by the Dodd Frank Act. To learn more about the CFPB’s privacy practices, please visit the CFPB’s website at https://www.consumerfinance.gov/privacy/.

You are not required to submit or provide any identifying information; however, we may not be able to process your request unless you allow us to collect this information from you.

Check reissues for valid reissue requests are sent in mail runs that occur about the fourth week of each month. Please note that requests are processed in the order that they are received and there is no guarantee that your check will be reissued in the run immediately following your request. Please allow 1-3 weeks from the date of the check reissue mailing for the USPS to deliver the reissued checks. If you would like to get an update on the status of your request or reissue, please call the toll-free number 1-855-680-8991.

For all reissues, checks will be valid for 90 days from the date of issue to allow harmed consumers time to cash their payments. Once you have submitted your reissue request, please do not attempt to negotiate any previous checks received. Doing so may cause a delay in the process and may result in charges from your bank. Thank you for your patience.

The Consumer Financial Protection Bureau is a federal government agency that enforces laws that protect consumers. In addition to enforcing the law, the Consumer Financial Protection Bureau also helps consumers take more control over financial decisions. They receive and monitor consumer complaints and offer help with financial services and products such as credit cards, mortgages, debt collection, and payday loans. Find out more at consumerfinance.gov.

JND is a third-party administrator appointed by the Consumer Financial Protection Bureau to administer this redress matter.