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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.

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$79.95 -119.95







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.

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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, 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.

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2 Negotiate 4 Free Reviews

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  1. User Score


    April 6th, 2017

    They are a scam took my money and didn’t provide any service no one returns my call.
    Its a scam stay away from them.

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  2. User Score


    December 30th, 2016 Miami, FL

    Charged me for startup and then failed to show proof of work being completed.

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