Acme Revolving
····4242
EQEXTU$4,280
Re-agingFCRA §611
Metro 2 accuracy62%
NewLeaf
AI credit & debt management
One secure code · clear report · real next steps
Your credit report,
under control.
See what can be challenged, what can be settled, and what comes next — in minutes, in one portal.
NewLeaf App
Your credit report, in one view.
9:41
Portal · Home
Good evening,
Maya
Sample dashboard
620
Fair
Illustrative UI — not a live score
EQEquifaxreceipt confirmed · Jul 05Confirmed
Connect credit report
Start education
HomeLearnCreditAccount
Paths
Paths you can follow.
Moments from the portal — what the work looks like in motion. Tap a card for a closer look.
Inside the portal
Every step of the work, in the open
Disputes, violations, negotiation, score, and lessons — the same views you'll see after sign-in.
See every dispute the moment it moves
- Filed → bureau received → FCRA clock → response → outcome
- Certified-mail style tracking cues on every letter artifact
- Plain-language status — no bureau jargon wall
- One timeline per trade-line, not a buried PDF
Example view
TrackerDisputing
Timeline · ····4242
In review- Jul 02Letter filedEQEquifax
- Jul 05Bureau confirmed receipt
- Jul 0630-day clock started
- —Response window closes
- —Outcome posted to portal
18days left
FCRA-style clock
Bureaus generally have 30 days to respond after receiving a dispute. Illustrative UI — real clocks live in the portal.
- Filed
- Received
- Clock
- Response
- Outcome
Certified mailJul 02
Dispute letter — Equifax
Tracking ····8841 · Delivered
Results, told honestly
Journeys — not score promises.
Real progress looks like clarity, status you can read, and next steps you understand. These composites show the kinds of paths people walk in the NewLeaf App.
Illustrative composites — individual results vary. No score or deletion guarantees.
Education hub
Learn the process while you live it.
Short Academy lessons sit inside the same NewLeaf App as your disputes — disputes, clocks, utilization, debt context, and rights. Plain English, not textbooks. Tap any cell to expand.
Education only — not legal advice and not counseling. Outcomes depend on your report, creditors, and bureaus.
Free to start · plans from $99/mo
Start free. Pick your pace when it fits.
Every plan starts with a free credit report review — no card. Upgrade only if it fits, confirmed in-portal before any charge. Hardship welcome. No score guarantees.
Fintech, not settlement
NewLeaf is a financial technology company, not a debt settlement company. We don’t collect a fee based on debt settled.
You stay in control
You can dispute inaccurate information with the bureaus yourself, free. Our tools and guidance help you do it — organized, tracked, supervised.
CROA rights
Under the Credit Repair Organizations Act, you can cancel within three business days of signing. Full disclosures come before any paid enrollment.
Fast Track
The expedited lane — bureau plus direct-creditor work, focused on resolving debt.
$248/mowas $498
Typically 45 days–3 months · varies by file
- Everything in Essential
- 3-bureau disputes + direct creditor disputes
- Direct creditor outreach — negotiate on verified accounts
- Priority supervision cadence
- Full Academy + monthly benefits
Free Review
Start hereGet your credit report reviewed and see your options — free, no card.
$0to start
- Full app access — one secure email code
- Credit report review in plain language
- See which options fit your file
- Rights education basics
- Upgrade only if it fits — confirm in-portal first
Essential
Steady paceFull credit restoration at a steady pace — the solid baseline for most files.
$99/mowas $248
Typically 6–9 months · varies by file
- Everything in Free Review
- 3-bureau dispute program (Equifax, Experian, TransUnion)
- Full Academy — courses & educational content
- Monthly benefits & progress reviews
- After resolution: funding programs, tradelines & credit-building paths
Custom / hardship
Tight month? Bigger squeeze than usual? That doesn’t disqualify you — it just means we talk it through. Start an account to see what fits, or reach a human by call, text, or email first. Same human help either way.
Outcomes vary · case-by-case. No score guarantees. Final plan confirmed in your portal before any charges — this marketing site never runs charges. See full pricing →
How we’re structured · plain English
Clear about what NewLeaf is — and isn’t.
FinTech SaaS
NewLeaf is a financial technology company. Subscription covers software to read your credit report, track disputes, log creditor communications, and learn your rights — plus live guidance 24/7.
Settlements
NewLeaf is not a debt settlement company and does not settle debts as your settlement provider. You can negotiate with creditors through the app when that path fits. Larger cases may be referred to independent partners — partners may charge their own fees. NewLeaf does not collect a fee based on the amount of debt settled or the amount saved.
Banking
NewLeaf is not a bank and does not take deposits. Any financing or banking services, when available, come from separate partners under their own terms.
$100 satisfaction
Paid programs include a $100 satisfaction guarantee / refund under the enrollment window in your Service Agreement. It does not promise score changes, deletions, or settlements.
Support · 24/7 channels
One call, one text, one email, or one click — support channels are available around the clock for billing questions and account help.
Straight answers
Questions, answered plainly
Clarity over hype, every time.
What kind of service is NewLeaf?
NewLeaf is a credit restoration and debt support platform. We help you organize your work, understand your credit, and move through disputes and account tasks with clear status at every step.
Do you promise deletions or a higher score?
No. Results depend on your credit report, creditors, and bureaus. We focus on accurate documentation, clear next steps, and keeping you informed, not promises we can't keep.
How do I get started?
Tap Continue with email to open your portal. We send a 6-digit code (SMS when available). New or returning, it is the same path.
Can I manage billing in the portal?
Yes. Active clients can review billing, update payment methods, and see account status without calling in, unless you want to talk to our team.
More answers in the full FAQ.
Free file review
Start with a free file review.
Continue with email into the portal — see where your file stands. Not credit counseling. No score promises.
- Secure one-time email code
- Nothing to install
- New or returning — same door