Connect your credit
A soft pull finds every debt across
all three bureaus.
Now in pre-release — join the waitlist and we’ll notify you when onboarding opens.
Take control of your debt.
And everything after.
Find your debts, make settlement offers, and keep the thousands you’d pay a settlement company. Free forever.*
- No percentage fees
- You stay in control
- Secure and private
Good morning, Dana
Here’s your progress
Total debt$34,700
Potential savings$13,180
38%Debt-free
Your debts (7)View all
Capital One$9,240Offer sent···
Avant$7,500Negotiating···
Midland Credit$6,200Offer accepted···
Discover$5,800Preparing···
Synchrony$3,950Not started···
How it works
Make your offers
Send settlement requests you
approve. Accept, counter or pass.
Get debt-free
Pay on your schedule and watch
your progress climb.
Traditional settlement companies
take a percentage. Settle doesn’t.
See how much you could save by using Settle instead of a traditional debt
settlement company that typically charges 15–25% of your enrolled debt.
TraditionalSettlement Company
Settle(Free or $49.95/mo)
See everything in one place.
Connect your credit to find all your debts across Experian, Equifax and TransUnion. It’s a soft pull and won’t impact your credit score.
Your dashboard starts with getting out of debt, then changes as your finances do — surfacing the right next step at every stage, all the way to debt-free and beyond.
- All three credit bureaus
- Credit cards, personal loans, collections and more
- Balances, account details and creditor contact info
- Organized and easy to manage
Settle up.
Then
settle in.
Settle isn’t a one-time fix — it’s the platform that stays with you the whole way. Face what you owe, settle it on your own terms, rebuild your credit, and build toward real wealth. Every decision stays yours.
Make offers on your terms.
Settle helps you prepare and send settlement offers. You decide the amount, review the terms, and choose to accept, counter or pass.
- Offer sentOct 12, 2024
- Creditor reviewingTypically 7–14 days
- Response received
- You review and decide
- Settlement (if accepted)
- Make your payment
Offer sent1 of 6
Watch your debt-free journey.
See responses, review and sign agreements, and follow your payment
schedule — all in one place.
Midland Credit
Account ***1234
- Original balance
- $6,200
- Settlement amount
- $2,480
- Savings
- $3,720 (60%)
Agreement ready
Review and sign the settlement agreement.
Payment schedule
3 payments · $826 each
Payment 1
$826ScheduledPayment 2
$826PendingPayment 3
$826Pending
Choose what works for you.
On Free, you take every step yourself with Settle’s tools. With Automation, Settle takes those steps for you, and only after you approve each one. No percentage fees.
Free
You take every step
$0/month
- Find all your debts
- Prepare and send offers
- Manage responses
- Track your progress
- Switch to automation anytime
Nothing falls through the cracks
Automation
We take the steps, on your approval
$49.95/month
- Everything in Free
- Each offer you approve, submitted for you
- Monitor creditor responses
- Stops for your approval at every decision
- Payment reminders and tracking
- Cancel anytime
Settle has your back
long after the deal.
Debt-free is a launchpad. Set goals, build an emergency cushion, and grow toward real financial health — with the same control and transparency, never a sales floor.
Credit monitoring
Track your score and report changes.
Financial education
Learn how to manage debt and rebuild credit.
Budgeting tools
Plan for payments and future goals.
Optional professional help
Work with a vetted debt resolution provider if you need it.
Your next chapter
starts here.
Take the first step toward a debt-free future. Find your debts, explore your options, and move forward on your terms.
Free forever. No percentage fees.