Class-action settlement · Open
Credit Exterminators credit repair settlement
A Philadelphia County class action over credit repair services agreements has settled for a gross fund of $125,000, payable over about two years. If you signed a credit repair services agreement with Earn Company, Earn Finance Company LLC or Credit Exterminators Inc. on or after February 10, 2016, you may be eligible for a proportionate share of what is left after court-approved expenses and the class representative's award — the FAQ anticipates roughly $60 a person, which is an estimate rather than a set amount. There is no claim form and nothing to pay anyone: class members who do not exclude themselves are paid from the defendants' records. Objections are due December 26, 2026, the fairness hearing is January 20, 2027, and only the administrator decides who is paid.
There is no claim form for this one. The administrator pays consumers it has already identified, so the useful step is to make sure they can reach you — not to file anything. Anyone offering to file it for you, for a fee, is selling you nothing.
When the money moves
What the official materials say about the payment schedule for this settlement, and what the administrator has published since. Every figure below is linked to the page it was read from.
- Status
- Payments have not started
Expected
The notice says the $125,000 is payable over about two years after final approval, so payment is staged rather than made in one distribution. The fairness hearing is set for January 20, 2027 and nothing is paid until the court approves the settlement and any appeals are resolved.
Read off the official notice, in its own words. These dates slip — an appeal can move a distribution by a year or more — so treat it as the administrator's plan rather than a schedule.
Source: the official notice ↗
Facts from the official materials
- Status
- Open
- Type
- Class-action settlement
- Category
- Credit
- Defendant / company
- Earn Company, Earn Finance Company LLC and Credit Exterminators Inc.
- Administrator
- American Legal Claim Services, LLC (creditexterminatorsclassaction.com)
- Claim deadline
- No claim to file — fairness hearing January 20, 2027
- Eligibility period
- From February 10, 2016
- States
- See official notice (often nationwide)
- Proof
- No claim to file — payments are sent automatically
- Possible amount
- About $60 (not guaranteed)
- Source confidence
- high
- Last verified
- October 21, 2026
Covered products and services
- Credit Exterminators credit repair services
- Earn Company credit repair agreements
Christina Atterbury v. Earn Company, et al. · 210400637 · Court of Common Pleas of Philadelphia County, Pennsylvania
A gross fund of $125,000, paid in instalments over roughly two years after final approval and divided proportionately once court-approved counsel expenses, the class representative's service award and administration costs come out. The FAQ anticipates around $60 a person. There is no claim form — class members who do not exclude themselves are paid from the defendants' own records. That $60 is an estimate, not a guaranteed amount.
Important dates
- Fairness hearing
- January 20, 2027
Why this case happened
The complaint alleges violations of the Credit Repair Organizations Act by Earn Company, Earn Finance Company LLC and Credit Exterminators Inc. in their credit repair services agreements. The defendants deny the allegations and the court has not ruled on the merits. The deadline to object is December 26, 2026.
Eligibility questions
These questions help you decide whether to read the official notice. They are not a legal determination.
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