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Tell Us Your Story
Sign up, share your credit goals, and authorize us to pull your reports from all three bureaus — Equifax, Experian, and TransUnion. We handle everything.
CROA Compliant · Virginia LicensedYour Financial
Your Financial
New Dawn
Starts Today
Expert, federally compliant credit dispute services for families ready to reclaim their financial future. No upfront fees. No gimmicks. Just real results and real transparency.
Free assessment covers credit report analysis only. Credit monitoring is a separate, additional service — fees paid upfront through our recommended vendor.
- No Upfront Fees
- Cancel Within 5 Days, No Penalty
- FCRA-Grounded Disputes Only
720+
Avg. Client Score Goal
Avg. improvement
+87 pts*
- CROA & FCRA Compliant
- No Upfront Fees — Ever
- Secure Client Portal 24/7
- Virginia Licensed & Bonded
- Families Served Nationwide
Simple Steps to a Stronger Credit
We handle the complexity of federal credit law so you can focus on what matters — your family, your home, your future.
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We Dispute for You
Our specialists craft targeted, FCRA-grounded dispute letters for every inaccurate, incomplete, or unverifiable item and track every bureau response across your 30-day service cycle.
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Watch Progress Unfold
Receive a detailed monthly progress report and access your secure client portal anytime to see exactly what changed — and what we're tackling next.
Transparent Pricing,
No Surprises
You pay only after your first completed 30-day service cycle. All plans include full FCRA dispute services with no setup, enrollment, or advance fees — ever.
Essential Plan
$79.99
per completed 30-day cycle
Billed in arrears — nothing due upfront
- Initial analysis — all 3 bureaus
- Up to 5 disputes per bureau per cycle
- FCRA dispute letter preparation & submission
- Monthly written progress report
- 24/7 secure client portal access
- Credit education library
- Email support (2-business-day response)
Advantage Plan
$89.99
per completed 30-day cycle
Billed in arrears — nothing due upfront
- Everything in Essential, plus:
- Up to 10 disputes per bureau per cycle
- Goodwill letter preparation & submission
- FDCPA § 1692g debt validation letters
- Priority email (1-business-day response)
- Bi-weekly email progress check-ins
- Credit utilization coaching guide
- Credit builder account recommendations
Premier Plan
$99.99
per completed 30-day cycle
Billed in arrears — nothing due upfront
- Everything in Advantage, plus:
- Unlimited disputes per bureau per cycle
- FDCPA cease & desist letter preparation
- Monthly written strategy review from specialist
- Priority email (4-business-hour response target)
- Identity theft advisory (FCRA § 605A)
- Rapid dispute escalation correspondence
- Dedicated named client success specialist
No long-term contracts. Fees charged only after services are fully performed, per 15 U.S.C. § 1679b(b). After the 5-business-day statutory cancellation window, termination requires 30 days’ written notice. Payment accepted by ACH bank transfer or credit/debit card.
Credit monitoring is not included in any plan. It is available as a separate, additional service — fees are paid upfront through our recommended vendor, whose platform is designed to integrate directly with our system.
Our Mission
Credit Shouldn’t Define Your Family’s Future
“Every family deserves a shot at homeownership, a car, an education — and a clean credit report shouldn’t be the wall standing in the way.”
At New Dawn Financial, we believe that inaccurate, outdated, or unverifiable information on a credit report is a solvable problem. We combine deep knowledge of the FCRA with personalized service to fight for the accurate credit history your family has earned.
Start Your New DawnWhy New Dawn Financial
Built Around Your Rights
We don’t just dispute items — we educate you, protect your rights, and walk alongside you through every step of your credit recovery journey.
Zero Upfront Fees
By law and by principle, we never charge you before completing your first 30-day service cycle. Your trust comes first.
Fully CROA Compliant
We operate under the Credit Repair Organizations Act and Virginia Code § 59.1-335.1 — every service we offer is grounded in federal and state law.
Real-Time Portal Access
Log into your secure client portal 24/7 to see every dispute we’ve filed, every bureau response, and exactly where your case stands.
Good-Faith Disputes Only
We never submit false disputes. Every letter is grounded in a reasonable, documented reason under FCRA — protecting you and your integrity.
5-Day Cancellation Right
Changed your mind? Under 15 U.S.C. § 1679e, you have the absolute right to cancel within 5 business days with zero penalty and a full refund.
Monthly Strategy & Reporting
Receive a full written progress report every cycle — what changed, what we’re disputing next, and what you can do to accelerate your results.
Real Families, Real Results
Every credit journey is unique. Here’s what some of our clients shared about working with New Dawn Financial.
“I had three old collection accounts dragging my score down for years. After just two service cycles with New Dawn, two of them were removed as unverifiable. We finally qualified for our first home loan.”
“After my divorce, my credit was a mess. New Dawn’s team was professional, explained every step, and never made me feel judged. Four months later I leased my first car in my own name. That meant everything.”
“My wife and I both enrolled on the Premier Plan. Having a dedicated specialist who knew our situation made all the difference. We’re now pre-approved for a mortgage we didn’t think was possible two years ago.”
*Results shown are representative examples and are not guaranteed. Results may not be typical. Individual results will vary significantly based on credit history, bureau responses, and other factors. No guarantee is made regarding the timeline for deletion or correction of any item.
You Have Questions.
We Have Answers.
Results depend on many factors, including the nature of the disputed items, how quickly the bureaus respond, and how data furnishers verify information. Credit bureaus are legally required to investigate disputes within 30 days of receipt (45 days if additional information is submitted). Some clients see corrections within the first cycle; others see gradual improvement over several months.
No guarantee is made regarding the timeline for deletion or correction of any item. Results may not be typical.
No guarantee is made regarding the timeline for deletion or correction of any item. Results may not be typical.
No. New Dawn Financial makes no guarantee that any specific item will be removed, that your credit score will increase by a specific amount, or that any particular financial outcome will result from our services.
No — and any company that claims they can is breaking the law. We can only lawfully dispute information that is inaccurate, incomplete, or unverifiable. Accurate negative information may remain for up to 7 years (10 years for Chapter 7 bankruptcy).
You are never charged before services are performed, per 15 U.S.C. § 1679b(b). Your first invoice is generated 30 days after your Effective Date, upon completion of your first full service cycle. Accepted payment methods: ACH bank transfer or credit/debit card.
You have a non-waivable right under 15 U.S.C. § 1679e to cancel within the 5th business day after signing with no penalty. After that period, termination requires written notice with 30 days’ advance notice. No cancellation fees or penalties apply.
Absolutely. You always have the right to dispute directly with any bureau at no cost. Free reports are available at AnnualCreditReport.com. Our agreement never limits or waives your independent consumer rights.
No. Credit monitoring is not included in the free assessment or in any membership plan. It is available as a separate, additional service. (1) Credit monitoring fees are paid upfront, unlike dispute service fees billed in arrears. (2) We require monitoring through our recommended vendor whose platform integrates directly with our system. Contact info@newdawn.guru for details.