Acme Revolving
····4242
EQEXTU$4,280
FCRA §611
Metro 2 accuracy62%
NewLeaf
Disputes
Watch every dispute as it moves.
Filed, received, clock running, response, outcome — in plain language.
9:41
Portal · Disputes
Dispute tracker
····4242
- Jul 02Letter filedEQEquifax
- Jul 05Bureau confirmed receipt
- Jul 0630-day clock started
- —Response window open
Example view — not a promised timeline
HomeLearnCreditAccount
Example view
Disputing
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
Example view — letter artifacts
Certified mailJul 02
Dispute letter — Equifax
Tracking ····8841 · Delivered
Certified mailJul 03
Dispute letter — TransUnion
Tracking ····8841 · Delivered
Certified mailJul 03
Dispute letter — Experian
Tracking ····8841 · Delivered
Every letter, on the record
Redacted copies and delivery status stay attached to the trade-line they belong to.
- 01Jul 02
Filed
Letter artifacts with certified-mail style cues.
- 02Jul 05
Received
Bureau acknowledgment you can point to.
- 03Day 12 of 30
Clock
FCRA-style countdown next to the trade-line.
- 04Pending
Outcome
Deleted, verified, or next action — no mystery.
Report anatomy
We read your credit report line by line.
The app flags tradeline patterns that may be inaccurate, incomplete, or duplicated — before you dispute. Your credit report drives what applies; results vary.
Tradeline · Revolving
Late payments
Status: 30 days late · Reported 03/2024
Dates, status codes, and reporting consistency across bureaus can matter — a single late mark may not tell the full story when records disagree.
May be updated when inaccurate, unverifiable, or duplicated.
Collection · Medical
Collections
Balance: $1,240 · Opened 11/2023
Ownership, open dates, balance, and whether a validation trail exists can all be worth a closer look before you accept a tradeline as correct.
May be disputed when ownership, dates, or balance cannot be verified.
Charge-off · Installment
Charge-offs
Status: Charged off · DOFD 08/2022
Status, date of first delinquency, and whether a separate collection line also appears can create duplicate-looking pressure on your credit report.
May be updated or removed when inaccurate, duplicated, or legally deficient.
Hard inquiry
Inquiries
Creditor: Example Bank · 01/2025
Hard pulls should reflect authorization and permissible purpose — an inquiry you do not recognize may be worth documenting before it ages off.
May be challenged when unauthorized or lacking permissible purpose.
Duplicate signal
Duplicates & re-aging
Same creditor · two collection lines
The same debt should not become a moving target — duplicate tradelines or dates that appear to reset can distort what lenders see.
May be disputed when duplicated, re-aged without basis, or questionable.
Identity / balance
Balance & identity mismatches
Name variant · balance mismatch
Mixed files, wrong middle initials, or balances that do not match your records can signal a merge error or outdated furnisher data.
May be corrected when inaccurate, mixed with another consumer, or unverifiable.
Pull your report into the portal to see which lines may warrant a closer look — a starting point, not a verdict.
Continue with emailInside the investigation
Why “valid” often means “automated.”
“Valid” may mean automated — or correct. The work is matching the path to the evidence; the app tracks your letters and deadlines.
Educational only — not legal advice. Outcomes depend on your disputes and bureau responses.
Path A · automated
Rubber-stamp loop
Dispute in, e-OSCAR ping, quick “verified” — many stop. Investigation can be shallow.
Bureaus ping the furnisher; a quick “yes, ours” may get labeled verified with limited review.
Many see “verified” and stop. The bureau may close without deeper documentation review.
Path B · evidence review
NewLeaf review path
We review creditor patterns and documentation quality, then match escalation or settlement to the facts.
NewLeaf may review creditor reporting patterns and which furnishers investigate versus rubber-stamp.
When evidence supports it, escalation may fit. When debt is verified, settlement can be the better route.
When debt is real
When settlement may fit
When debt holds up under review, a negotiated settled amount — not full balance plus interest — may reduce pressure for qualified consumers.
Example payment path — not guaranteed savings or approval.
The work is knowing which path the evidence supports — escalate when appropriate, settle when economics may fit. Individual results vary.
Continue with emailHow 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