Real people. Real channels.

Start in the portal when you’re ready — or reach us by call, text, or email if you want a human first.

Primary path

Continue with email

The LIVE OTP portal is where your credit report, disputes, and account live. One email address, one-time code — no password to forget.

Call support

Voice line — if it doesn’t pick up, text or email is often faster.

Text us

SMS

Read when to call vs continue online — a short guide on portal-first vs human-first paths. Educational only; no score or timeline promises.

How we’re structured · plain English

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.

Continue with email. We send a one-time code — nothing to install.