Education · not legal advice
Your rights sit beside the work.
NewLeaf is credit restoration and debt negotiation support — not counseling. Know what you can already do yourself, then decide whether you want a supervised portal path.
This page is educational. It is not legal advice and not a promise that any item will change, delete, or move on a timeline. For deeper reading, see the glossary and journal.
Pull your credit reports
You have the right to obtain your consumer file from a consumer reporting agency. Start with what the report actually says — names, dates, balances, statuses.
Dispute inaccurate information
You can dispute inaccurate information directly with the credit bureaus at no cost. A supervised workflow can help you stay organized — it does not replace that right.
Timed reinvestigation
Under the FCRA, bureaus generally investigate disputes on a clock (commonly described as about 30 days, with a possible extension in some cases). Outcomes vary.
FCRA clocks explained →Know who reported what
Furnishers report account data. Understanding the bureau vs furnisher split helps you read responses without guessing.
Collection conduct basics
The FDCPA sets rules for many third-party collectors. Document dates, channels, and what was said — education first, not a lawsuit script.
CROA contract rights
Under the Credit Repair Organizations Act, you generally have a right to cancel a credit repair contract within three business days of signing. Full disclosures come before paid enrollment.
Interactive rights ledger
The laws that govern your credit report.
Rights are procedures you can use — not magic words. Watch a short cycle, click any statute to pause, or open the full grid. Deeper reads stay on this page.
Educational overview only. Not legal advice. Not counseling.
FCRA §611
Investigation clock
When you dispute, the bureau generally has 30 days to investigate and answer.
- Clock usually starts when the bureau receives your dispute.
- Sets the cadence for escalation.
- Missed deadlines can matter — case-by-case.
Educational — not legal advice.
Educational overview only. FCRA / FDCPA citations reference federal statutes (15 U.S.C. §1681 et seq. and 15 U.S.C. §1692 et seq.). Talk to a lawyer about your specific situation.
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.
Ready when you are.
Continue with email. We send a one-time code — nothing to install.
Continue with email