We negotiate for you
Worthy reaches out to creditors and negotiates on your behalf. You approve every step.
No upfront fees
You’re never charged to use Worthy. We’re an independent platform that works for you, not your creditors.
Build toward better credit
Resolving debt can help your credit recover. Getting started is a soft check with no impact to your score.
Make an offer that fits your budget
Worthy suggests a starting point based on what creditors are likely to accept. You decide what to offer.
We handle the back and forth
Worthy connects with creditors directly to present your offer. We'll keep you updated on the progress in real-time.
Common questions
No. We use a soft credit check to see your accounts, which has no impact on your score. Resolving accounts can actually help your credit over time.