Harbor Collection
····0033
- Original balance
- $1,120
- Offer on the table
- $560
- You keep
- $560
Offer vs. original50%
Example view — illustrative UI, not a promise of settlement terms.
NewLeaf
Program
A supervised program, not a black box.
Phases you can follow — from intake to disputes to negotiation.
9:41
Portal · Home
Good evening,
Maya
Sample dashboard
620
Fair
Illustrative UI — not a live score
EQEquifaxreceipt confirmed · Jul 05Confirmed
Connect credit report
Start education
HomeLearnCreditAccount
Phase 01
Intake
Email OTP, profile truth, and file access without fog. Your report is parsed into trade-lines you can actually read.
EQEXTU
Phase 02
Disputes
Structured letters with status you can watch — filed, received, clock running, response, outcome. No buried PDFs.
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
Phase 03
Negotiation
Offers tracked beside the same credit file — original, offered, and what you keep, in one honest frame.
Negotiating
Phase 04
Rebuild
Education and habits that keep progress honest — lessons live in the same portal as your disputes.
What supervision means
- Portal OTP — no passwords to leak
- Every letter is an artifact you can open
- Status in plain language, not bureau codes
- Twenty is a view — marketing never charges
Your program · one phase at a time
The program path.
Six phases in plain language, with real portal screens at each step. Your credit report decides what’s real — examples show the shape, not a promise.
Phase 01 / 06keep scrolling
One secure code opens the portal and pulls your credit report into one clear view — accounts, statuses, balances — in plain language.
Phase 01 · Connect
ExampleOne secure code
Enter 6-digit code
Sent to m•••@email.com
628•••Credit report ready to pullReadyOTP login — no card to start.
Education + visibility — not a score promise.
When something looks off — a duplicate, an odd date, a balance that doesn’t match — we draft the dispute and track the federal clock. Every letter and every reply lives in one place.
Phase 02 · Dispute
EQEquifax····4242 — in review
Jul 02Letter filedJul 05Receipt confirmedJul 0630-day clock started—Response window openExample view — federal clock tracked in-app.
Process tracking — no deletion guarantee.
If a first-round reply comes back “verified” without much substance, we ask how. Method-of-verification requests, furnisher outreach, and complaint paths exist because process quality matters.
Phase 03 · Escalation
In reviewRound 3 of 7
- Bureau dispute
- Method of verification
- Procedural demandNow
- Direct to creditor
Escalation options visible — case-by-case outcomes.
Escalation options — outcomes still case-by-case.
When an account is yours and verified, debt support opens beside the same report — original balance, offer, and status in one view. Working through verified accounts is often an educational step toward funding readiness — a process to understand, not a settlement to promise.
Phase 04 · Negotiate
OfferMidland ····0944
Settlement offer
Logged beside the same account
Original$1,840.00Offered$920.00StatusOpen · reviewingNegotiation support — never a guaranteed reduction.
Negotiation support — no settlement promise.
Rebuild habits — utilization, payment rhythm, account mix — sit in the Academy next to the same journey. Short lessons in plain language, so the next chapter is something you understand.
Phase 05 · Rebuild
LessonAcademy · Utilization 101
The ~30% guideline
4-min read · plain English
Progress60%Education, not counselingAcademy lessons sit beside your report.
Rebuild education — not a score timeline.
As disputes resolve and habits build, the portal shifts its framing toward next steps. The negotiation phase — tracking balances, exploring options — feeds into a funding readiness checklist: a direction of travel, not a timeline.
Phase 06 · Funding readiness
DirectionReadiness checklist
- Report reviewed
- Disputes resolved or paused
- Utilization in target band
- Active monitoring on
- Next-step options visible
Direction-of-travel framing — never a score promise.
Funding readiness framed — not promised.
Phase 01
Connect
One secure code opens the portal and pulls your credit report into one clear view — accounts, statuses, balances — in plain language.
Education + visibility — not a score promise.
- Connect. One secure code opens the portal and pulls your credit report into one clear view — accounts, statuses, balances — in plain language.
- Dispute. When something looks off — a duplicate, an odd date, a balance that doesn’t match — we draft the dispute and track the federal clock. Every letter and every reply lives in one place.
- Escalation. If a first-round reply comes back “verified” without much substance, we ask how. Method-of-verification requests, furnisher outreach, and complaint paths exist because process quality matters.
- Negotiate. When an account is yours and verified, debt support opens beside the same report — original balance, offer, and status in one view. Working through verified accounts is often an educational step toward funding readiness — a process to understand, not a settlement to promise.
- Rebuild. Rebuild habits — utilization, payment rhythm, account mix — sit in the Academy next to the same journey. Short lessons in plain language, so the next chapter is something you understand.
- Funding readiness. As disputes resolve and habits build, the portal shifts its framing toward next steps. The negotiation phase — tracking balances, exploring options — feeds into a funding readiness checklist: a direction of travel, not a timeline.
Example path · illustrative only · not a promise
Program path
Phase 01 / 06
Phase 01 · Connect
ExampleOne secure code
Enter 6-digit code
Sent to m•••@email.com
628•••
Credit report ready to pullReady
OTP login — no card to start.
In the portal
- Secure OTP login — no card to start
- Your full report, laid out in plain language
- First-pass flags surfaced as starting points, not verdicts
Education + visibility — not a score promise.
Continue with emailScroll to walk the path · six phases · results vary
Scroll more
The program path is illustrative only. Phone mockups show example portal views and are not a promise or guarantee of any outcome, score change, or timeline. Your report determines what actually happens.
Escalation
Escalation, step by step.
Stages auto-advance — pause to read longer. Round one often comes back rubber-stamped; escalation may follow with documentation and different angles. Not automatic for every account.
Paused — read at your pace.
Typical · not a promise · Days 1–30
01
Document & bureau dispute
Challenge what may be inaccurate with Equifax, Experian, and TransUnion. A typical investigation window may start when the bureau receives your dispute.
Formal bureau challenge — state what may be inaccurate. Many files return verified; escalation paths can exist when the facts support them.
Escalation is not automatic — it follows the facts. If settlement is the better route, the process should say that plainly. Day ranges are typical process windows; individual results vary.
Continue with emailSettle · then fund when you qualify
Clean what we can. Settle what’s real. Fund the rest on better terms when you qualify.
After disputes, some accounts stay yours. Negotiate through the app when that fits — or a referred partner for larger cases. NewLeaf is not a debt settlement company and does not collect a fee based on debt settled. Partners may charge their own fees. Results vary.
Settlements, financing, fees, taxes, and credit impact are never guaranteed. Final terms confirm in-portal with a finance manager when you qualify.
Check eligibility in the app9:41
Portal · Home
Good evening,
Maya
Sample dashboard
620
Fair
Illustrative UI — not a live score
EQEquifaxreceipt confirmed · Jul 05Confirmed
Connect credit report
Start education
HomeLearnCreditAccount
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.
Ready when you are.
Continue with email. We send a one-time code — nothing to install.
Continue with email