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

How it works

One email. One portal. A clear path.

A path you can follow — outcomes depend on your credit report. Not counseling. No score promises.

Continue with emailHow it works
  1. 01

    Continue with email

    OTP into the client portal — no app store detour, no password maze on day one.

  2. 02

    File truth lands

    Trade-lines and statuses become something you can scan — not a PDF maze.

  3. 03

    Disputes + violations

    Watch clocks run. See badges where reporting looks off. Act with a specialist.

  4. 04

    Negotiate in the open

    When it fits, settle math sits beside the same file — original, offered, saved. Partners may help on larger cases.

What we don't do

  • We are not a credit counseling agency.
  • We do not promise score changes, deletions, or timelines.
  • We are not a bank and not a debt settlement company — partners may charge fees; NewLeaf does not collect a fee based on debt settled.
See the program →Pricing →First week in the portal →

File timeline lab

sequence 01 · results-strip

00:00:06:00 · 30fps

sequence view
M0M1M2M3M4M5M6
  • Disputes
    Letter filedBureau receivedClock runningOutcome posted
  • Violations
    Re-aging flaggedDuplicate foundSpecialist review
  • Negotiation
    Creditor outreachOffer on tableSettled
  • Score timeline
    Baseline pullΔ duplicate deletedΔ balance corrected
◆ keyframe · six-month illustrative arcExample view — illustrative UI, not a promised timeline

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.

Continue with email
Service AgreementPrivacyCookiesAccessibilityTerms

Ready when you are.

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

Continue with email