AI credit & debt management — disputes, education, and debt support in one secure portal.
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NewLeaf
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NewLeaf

About

Built for clarity under pressure.

NewLeaf helps people face credit and debt with structure — not slogans, not counseling claims, and not false timelines.

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  • Product-real

    The portal is the art direction — trade-lines, clocks, and next steps you can actually use. Not stock photos.

  • Doctrine

    Honest language. No counseling claims. No score, deletion, or timeline guarantees. Your credit report decides what is real.

  • Supervised path

    Specialists plus software — not a DIY maze alone. Bigger settlement cases may involve partners; you can also negotiate in-app when it fits.

  • Rights-aware

    Education on disputes and clocks — never a substitute for your free bureau rights. Consumer rights.

What we are not

NewLeaf is not a bank and not a debt settlement company. We do not collect a fee based on debt settled or saved. Partners that help with settlements may charge their own fees. See our Service Agreement and what NewLeaf is not.

Support

One call, one chat, one click — support channels are available around the clock for billing help. $100 satisfaction guarantee / refund on paid programs (terms in the Service Agreement).

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.

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