Straight answers.

Is this counseling?

No. NewLeaf provides credit restoration and debt negotiation support — not credit counseling, and no score guarantees.

How do I start?

Continue with email — one secure code opens the portal. Pulling your credit report and disputing errors directly with the bureaus is always free.

Can you promise a score?

No. We show process and credit-report truth — not guarantees. Outcomes vary case by case.

What about creditors?

Violation views surface reporting issues worth review. If an account is yours and verified, negotiation support can open beside the same credit report.

How do I reach a human?

Real people, real channels — no callback bots. Pick whichever feels easiest:

• Call support(520) 223-9768
• Text us844-990-2022
• Emailinfo@newleaf.financial

Tight month or hardship?

That doesn’t disqualify you. Start an account to see what fits, or call / text us first — we’ll talk it through. Plan confirmed in your portal before any charges.

Are you a debt settlement company?

No. NewLeaf is a fintech company offering SaaS tools for credit report management, disputes, education, and debt communications — not a debt settlement company and not a bank. We do not collect a fee based on debt settled or saved. Extreme cases may be referred to independent partners who charge their own fees.

How does NewLeaf make money?

Subscription fees for software, education, and live guidance — not a percentage of debt you settle or save. We are a financial technology company, not a collection agency.

Do you take a cut of my settlement?

No. NewLeaf does not collect a fee based on the amount of debt settled, saved, or enrolled for settlement. If you need outside specialized help, we may refer you to independent firms that bill separately.

Am I responsible for my own outcomes?

Yes. We provide tools, education, and 24/7 guidance to make the process as clear as possible, but you must follow consumer-law timelines and make decisions that fit your situation. Outcomes vary; we do not guarantee results.

Are you on the consumer's side or the collector's?

We build software for consumers — not collection agencies. Our tools help you read your credit report, dispute errors, and manage creditor communications with live team support.

What about the $100 guarantee?

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.

Is support available 24/7?

Support channels (call, text, email, and portal) are available around the clock for billing resolutions — one call, one chat, one click away.

How is NewLeaf different from DIY or counseling?

DIY is free and always available. Counseling agencies run different programs. NewLeaf is supervised software for credit restoration and debt support with a portal you can see — not counseling, not score promises. See /compare for a plain map.