Negotiate 4 Free is a credit repair service that also specializes in loan negotiation and debt counseling; however, too little can be determined about this company for it to be considered in any way reputable or reliable. Customers are strongly encouraged to visit other credit repair companies with more established reputations and proven track records.

Rank Chart
Monthly Price
Company Rating
Our Score

#1

$99.95
9.4
9.4

#2

$99.95
9.0
9.0

#3

$59
8.9
8.9

#72
negotiate-4-free

Undisclosed
1.6
1.6

The Good

As the name suggests, Negotiate 4 Free seeks to not only improve its customers’ credit but also work closely with lenders to negotiate the most favorable loan possible. The company also provides some basic debt counseling services for individuals and businesses alike.

Additional Services Offered

In addition to credit repair, Negotiate 4 Free offers loan negotiation and business analyzation.

The Bad

Unfortunately, Negotiate 4 Free has far too many unknowns to be considered a reputable company. The company’s website offers next to no information regarding pricing, initial fees, cost structure, or company policies. Customers must conduct their own investigation into the Texas State laws regarding credit repairs services.

Negotiate 4 Free does not have a profile with any major social media platform, and though the company CEO, Blake Peckham, does appear to have an active Facebook account, the profile makes no mention of Negotiate 4 Free. Because so little is known about this company and its policies, customers can assume they would not get access to legal assistance. Customers are also required to purchase their own credit reports. Limitations include:

Poor Online Transparency

The company offers no information on pricing, policies, or applicable laws.

Lack of Off-Site Information

The company has no social media accounts or any other means of verifying its existence.

No Attorneys, and Does Not Request Credit Reports

Key features used by top companies to make credit repair more effective.

Want to know which companies are top-rated? Click here.

The Bottom Line

Until more is known about Negotiate 4 Free, customers are strongly cautioned against doing business with this company. Because of the absence of user reviews – not just with BestCompany.com, but also with the YellowPages – identifying the nature of this company is next to impossible. Customers should also consider the possibility that Negotiate 4 Free may not even be in business. If you are looking for effective credit repair services at a reasonable rate, you are strongly encouraged to investigate our top credit repair companies.

View Top-Rated Companies

Frequently Asked Questions

How much does Negotiate 4 Free services cost?

The initial consultation with Negotiate 4 Free is free for consumers. As for the full services of Negotiate 4 Free, it is not clear how much services cost. The website says that consumers will work with a consultant to create a personalized pricing structure.

Does Negotiate 4 Free allow me to enroll more than one person or my whole family?

Negotiate 4 Free works with individuals to improve credit scores.

How does Negotiate 4 Free repair my credit?

Negotiate 4 Free seeks to help consumers improve their credit score through loan negotiation, credit renovation, and budget analyzation. Negotiate 4 Free also provides different tools for consumers such as a CD calculator, affordability calculator, and student loan calculations.

Does Negotiate 4 Free provide Credit Monitoring?

Negotiate 4 Free does not provide credit monitoring.

How can I contact (company)?

Here are the different ways consumers can contact Negotiate 4 Free:

  • Mail: 201-A South McDonald Street, McKinney, Texas 75069
  • Phone: 1(866) 318-1383
  • Email: [email protected]

More Information

Published Results

Negotiate 4 Free has not published any statistical data concerning their credit repair services.

Price Breakdown

The initial consultation with Negotiate 4 Free is free for consumers. As for the full services of Negotiate 4 Free, it is not clear how much services cost. The website says that consumers will work with a consultant to create a personalized pricing structure.

How It Works

Negotiate 4 Free seeks to help consumers improve their credit score through loan negotiation, credit renovation, and budget analyzation. The credit repair company works to reduce negative or inaccurate parts of credit reports from the following credit bureaus: Equifax, Experian and TransUnion. Negotiate 4 Free also provides different tools for consumers such as a CD calculator, affordability calculator, and student loan calculations. The Texas-based company works with lenders to improve the terms for consumers so the terms are more forgiving and consumers will be able to pay off their credit in timely manners. By doing all of these things and taking advantage of the Negotiate 4 Free’s tools, consumers can improve their credit score.

What to Expect when Signing Up

When signing up, consumers can expect to receive a free initial credit repair consultation. After signing up, consumers will be required to pay fee that will give them access to all of Negotiate 4 Free’s services and tools. Consumers will be able to work with Negotiate 4 Free to improve their credit score. Consumers will be able to receive help with loan negotiations and debt management regardless of the type of debt consumers are dealing with. Negotiate 4 Free promises to help consumers improve their credit history in an ethical, legal, and professional manner.

What Can Be Removed

With the help of Negotiate 4 Free, consumers can remove negative, faulty or misleading parts of their credit reports that negatively affect their credit history. Negotiate 4 Free can also help consumers eliminate tight deadlines for credit payments. It is not clear how it will take for consumers to see the results they expect by relying on the expertise of Negotiate 4 Free.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

No Negotiate 4 Free Reviews

1. Select Your Rating:

0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*

or

There are currently no reviews .