The Consumer Financial Protection Bureau has allocated another $117,058,683.11 for a second round of payments to people harmed by Lexington Law and CreditRepair.com, according to the administrator site the bureau points to for the case. The second checks started mailing in late September and will keep going out through October 2026.
Each check is valid for 90 days from its date of issue. After that it is void, and the money does not reach the person it was meant for unless a replacement is arranged.
Who gets a second check
The second round is not open to everyone in the original group. The administrator says payments go to people who cashed their previous check on or before June 30, 2026, and whose calculated payment came to $10 or more. Anyone whose first check was never cashed, or whose share of this round falls under $10, is outside it.
There is no claim form to fill out. The payments are automatic, and the amount is calculated by the administrator, so there is nothing to apply for and nobody who needs to be paid to start the process.
That leaves a practical question for former customers who did cash the first check: whether a second one is on its way, when it was issued, and when it stops being cashable. A check that arrives in mid-October carries a void date roughly mid-January. One that was mailed in late September runs out sooner. The date of issue, not the date the envelope is opened, starts the 90 days.
For a check with a clock on it, The Settlement & Refund Recovery System includes a claim log and payment tracker, which is a place to write down the issue date and the last day to cash it.
Log the second Lexington Law check and its 90-day window →
How the first round set the pattern
The second round follows the largest payout the bureau has made from its victims relief fund. In December 2024 the CFPB announced the return of $1.8 billion to 4.3 million Americans harmed in what it described as a massive credit repair scheme, with the money coming from the Civil Penalty Fund. The underlying judgment was $2.7 billion, and the first round of checks went out between December 5, 2024 and January 6, 2025.
The bureau’s own case page lists the payment status as December 5, 2024 to ongoing. That page was last updated in December 2024 and does not describe the second round. The $117,058,683.11 figure and the mailing window appear on the administrator site that the bureau links to from its short payments page, so that is where the current numbers live.
Who counted as harmed
The class in this case is defined by purchase dates. The CFPB says it covers people who made a payment to Lexington Law or CreditRepair.com for credit repair services purchased between March 8, 2016 and August 30, 2023. People who came to the company through a live transfer fall under a longer window that starts July 21, 2011 and ends on the same August 2023 date.
Because the second round is limited to people who already cashed a first check by June 30, 2026, the list of recipients is a subset of that class. The bureau and the administrator have not published a count of how many people will receive a second payment, so the average check size cannot be worked out from the $117,058,683.11 total alone.
What the 90-day rule means for the mail
A void-after-90-days check puts the burden on timing. Reissued checks are valid for 90 days from issue, according to the settlement tracking site Open Class Actions, and the void date is printed on each one. People who moved since the first round, or who tend to let bulk mail pile up, are the most likely to run into trouble. A check sent to an old address by the administrator will not forward the way a personal letter might.
Mailing is spread across several weeks, so two former customers can receive their checks a month apart. That is normal for a distribution of this size and is not a sign that either one was missed. A check that has not appeared by the end of October is a reason to contact the administrator, not a reason to assume nothing was issued.
Keeping the 90-day clock on the second check
The free route starts at the administrator’s site, the one the CFPB directs people to for this case. It is where the allocation, the June 30, 2026 cutoff and the 90-day validity rule are posted, and it is the place to ask about a check that never came or an address that needs fixing.
When a check does arrive, the useful details to write down are the issue date, the printed void date, the amount, and the date it was deposited. A photo of the front before depositing keeps a record if the bank later questions it. Anyone who sees the void date approaching without a way to reach a bank should deposit by mobile app or at the branch counter rather than wait for the mail again.
If a check has already expired, the administrator is the first contact. The case materials describe a reissue process for checks that go uncashed, and the original issue date and amount help speed it along.
The Settlement & Refund Recovery System pairs a claim log and payment tracker with instructions on how to get an expired or uncashed settlement check reissued, which covers the two jobs that matter once the second check is in hand or missing.
Click here to get The Settlement & Refund Recovery System →
This article was produced with AI assistance and reviewed by The Financial Wire’s editorial team.
Warren Cohen is a finance writer based in Phoenix, Arizona, covering personal finance topics including credit, banking, and beginner investing. He earned his degree in business administration from Arizona State University and began his career working in consumer finance, where he gained direct experience with lending and credit systems. He now writes for personal finance websites and fintech platforms, focusing on clear, practical content that helps readers make informed financial decisions.
