Pricing
Real $/mo tiers — without miracle promises.
Plans — confirmed in your portal before any charges
Get your credit report reviewed and see your options — free, no card.
Full credit restoration at a steady pace — the solid baseline for most files.
Typically 6–9 months · varies by file
The expedited lane — bureau plus direct-creditor work, focused on resolving debt.
Typically 45 days–3 months · varies by file
Outcomes vary · case-by-case. No score guarantees. Final plan confirmed in your portal before any charges — this marketing site never runs charges.
Custom / hardship
Tight month? Bigger squeeze than usual? That doesn’t disqualify you — it just means we talk it through. Start an account to see what fits, or reach a human by call, text, or email first. Same human help either way.
Marketing site never charges. Final plan confirmed in the portal.
| What’s included | Free Review | Fast Track | Essential |
|---|---|---|---|
| App + report review | |||
| 3-bureau disputes | — | ||
| Direct creditor disputes | — | — | |
| Negotiation on verified accounts | — | — | |
| Full Academy courses | — | ||
| Monthly benefits | — | ||
| Funding / tradeline paths after resolution | — |
Full app access and a credit report review — see what may be challenged, settled, or funded. No card required.
Essential typically runs 6–9 months. Fast Track typically 45 days–3 months. Both vary with how many accounts need work and how intense the file is.
No. NewLeaf is a fintech company, not a debt settlement company. Our tools guide disputes and negotiation with creditors — you approve every action, and you can do all of it yourself for free.
Essential and Fast Track open funding programs, tradelines, and credit-building paths as your file clears — when you qualify.
What the program covers before any number talk.
We don’t sell score fantasies.
Disputes, violations views, education — one login.
Continue with email to start the real conversation.
Individual results vary · No score guarantees · Not credit counseling
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.
Continue with email