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Frequently Asked Questions
Getting Started
How do I get started?
Pick the package that fits your file from our packages page and check out. Once you enroll, we begin working on your file — no consultation call required.
What packages do you offer?
Priority Credit Repair ($399) is our standard 90-day package with a detailed credit analysis, a personalized action plan, and standard processing across all three bureaus. Executive Credit Repair ($999) is built for homebuyers, entrepreneurs, and more complex files, and adds a dedicated senior case manager, a 1-on-1 strategy session, 24/7 priority portal access, aggressive dispute escalation, and 30-, 60-, and 90-day progress reviews. We also offer ChexSystems Removal ($425) for banking issues and a DIY Dispute Letter Kit ($59) for a self-guided approach
How much does the program cost, and do you offer payment plans?
Current pricing for all packages is listed on our Packages page. We offer Buy Now, Pay Later through Klarna, Afterpay, Zip, Cash App Pay, and Amazon Pay, so you can split your payment into installments if you'd like
Do I need a consultation before I sign up?
No — a consultation isn't required. Most clients review the packages and enroll directly. If you'd rather talk it through first, you can book a free 15–30 minute call with our Sales Manager, Nicole.
Can you guarantee results?
No credit repair company can lawfully guarantee a specific score increase or the removal of any particular item, since results depend on your credit profile and how the bureaus and data furnishers respond. What we can promise is a professional, structured dispute process handled by a Board Certified Credit Consultant
How long will it take to see results?
Many clients begin to see movement within the first 30–45 days, and results continue to build across the 90-day program. Credit repair is a process, not an overnight fix, and timelines vary by file.
Are you certified?
Yes. Our founder holds three nationally recognized credentials: Board Certified Credit Consultant (BCCC), Certified Credit Score Consultant (CCSC), and Certified Credit Repair Specialist (CCRS). Our founder is also a licensed real estate agent and a licensed mortgage broker.
What types of negative items can you dispute?
We can dispute a wide range of items that appear inaccurate, incomplete, or unverifiable, including collections, late payments, charge-offs, bankruptcies, medical bills, repossessions, foreclosures, judgments, hard inquiries, public records, student loans, and child support entries.
Can accurate information be removed from my report?
No — and neither can anyone else. We challenge items that are inaccurate, incomplete, or unverifiable under consumer protection law. Accurate, current, and verifiable information legally stays on your report.
Getting Set Up
What do I need to get started?
A valid government-issued ID, your Social Security card or a document showing your SSN, proof of address dated within the last 30 days, and an active SmartCredit subscription. Missing documents are the most common cause of delays.
Why is SmartCredit required?
SmartCredit gives you and your consultant live access to all three bureau reports. Without it, we can't review your file or track changes. It's $39/month and needs to stay active for the full length of your program.
I just signed up. What happens next?
Welcome to NewWay! Your next step is to activate SmartCredit and complete onboarding by submitting your ID, SSN, and proof of address through the client portal. Your first dispute round goes out after onboarding is complete, and a new round follows every 30–45 days
During the Program
My score went down. Is the program working?
This is common and expected during the dispute process. When items are being challenged, scoring models can temporarily shift before they improve — similar to how a room can look messier before it gets organized. Your overall progress is best evaluated over the course of the full program rather than month to month.
Can I apply for new credit while I'm in the program?
We recommend holding off if possible. A new application adds a hard inquiry, which can temporarily affect your score, and any new negative item that results from it will incur an additional $75 fee to dispute, since it falls outside your original agreement.
I got a new collection on my report. Is that covered?
New collections, accounts, or hard inquiries that appear after your program start date aren't covered under your original agreement. If you'd like us to dispute a new item, there's an additional $75 fee per item, which you can submit through the client portal.
I received a letter from a creditor or collector. What should I do?
Please don't respond to it directly. Send it to us through the client portal so our team can review it and handle any necessary next steps on your behalf. Keep a copy for your own records.
Can I get an update on my account?
For the most accurate, up-to-date information on your disputes and scores, please check your client portal or log in to your SmartCredit account directly.
Fees, Billing & Payments
Are there refunds?
Due to the nature of our work and consumer law requirements, all sales are final. As required by law, you may cancel a covered credit repair contract without penalty within three business days of signing. We encourage you to review our full policies at consultwithnewway.net before enrolling.
What if my SmartCredit payment lapses?
Active SmartCredit needs to stay in place for us to access your file and continue your dispute rounds. If your payment lapses, you'll be given a window to resolve it. After that, your file may be paused, and a $150 reactivation fee applies to restart your program.
Finishing the Program
How will I know when the program is complete?
Once your dispute rounds are complete, you'll receive a final progress report comparing your scores and report details from the start and end of the program.
What if I still have negative items after the program ends?
Some items may need additional rounds to fully resolve, especially if they were previously verified by the bureau. If you'd like to continue working on your file, re-enrollment options are available — just reach out and we'll walk you through it.
Do I need to keep SmartCredit after the program ends?
That's up to you once your program is complete. We do recommend keeping some form of credit monitoring active going forward, as it's a great way to stay on top of your credit health.
How do I get in touch with questions that aren't answered here?
You can reach us anytime at [email protected] or through your client portal.
© 2026 NewWay Consulting LLC. All rights reserved. NewWay Consulting LLC is a credit repair organization. You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly at no cost, and you may cancel your contract without penalty within three business days of signing. We do not guarantee any specific outcome or score increase, and no company can lawfully remove accurate, current, and verifiable information from a credit report. Results shown reflect individual client files and are not typical.