Experian

Experian Premium bundles credit monitoring with BillFixer, a service that negotiates lower rates on cable, internet, phone, and insurance on your behalf. BillFixer contacts providers to push for better rates based on market offers, without requiring you to spend hours on hold or switch providers. It handles the entire negotiation process and attempts to match competitor pricing before presenting you with the outcome.

Best for people already using Experian for credit monitoring who want to add bill negotiation without another subscription. BillFixer particularly shines for utilities and telecom where rates vary wildly by household and negotiation often works, though results depend on your market and current plan.