You are never locked in. Federal law gives you non-waivable cancellation rights, and our agreement adds a simple written-notice process after that. There are no cancellation fees or penalties — ever.
Cancel for any reason, no obligation
Under 15 U.S.C. § 1679e, you have a non-waivable right to cancel your Credit Repair Services Agreement without penalty or obligation at any time before midnight of the 5th business day after the date you signed it. To cancel during this window, use the Notice of Cancellation form provided with your Agreement, or simply notify us in writing (email is fine). No fees apply, and because our dispute fees are billed in arrears, nothing will have been charged.
Cancel with 30 days' written notice
After the initial cancellation window, you may terminate your Agreement at any time by providing written notice with 30 days' advance notice. Email to info@newdawn.guru or a letter to our mailing address both qualify as written notice. No cancellation fees or penalties apply.
What Happens When You Cancel
- Final billing. Because dispute fees are billed in arrears, you are only charged for service cycles already completed as of the effective cancellation date. Any 30-day cycle completed during your 30-day notice period is billed normally; no charges apply after the effective date.
- Work in progress. Disputes already submitted to the bureaus will continue to be processed by the bureaus under the FCRA even after cancellation; we simply stop initiating new work.
- Your records. Upon request, we will provide copies of dispute correspondence relating to your account.
- Credit monitoring. If you enrolled in credit monitoring through our recommended vendor, that is a separate contract billed upfront by the vendor — you must cancel it directly with the vendor under the vendor's own terms.
How to Send Written Notice
- Email (preferred): info@newdawn.guru — include your full name and the email address on your account, with a clear statement that you wish to cancel.
- Mail: New Dawn Financial, 2905 Jolly Lane, Chester, VA 23831. Notice by mail is effective based on the date received.
We will confirm receipt of your cancellation by email and state the effective date of termination.
Refunds
Because fees for dispute services are charged only in arrears after each completed 30-day cycle — never in advance — there are typically no prepaid amounts to refund. If a billing error results in a charge for services not performed, contact us and we will promptly correct it.
Cancel or Ask a Question
New Dawn Financial
2905 Jolly Lane, Chester, VA 23831
Email: info@newdawn.guru
Mon–Fri 9am–5pm ET · We confirm every cancellation request in writing.