No phone calls
Worthy reaches out to creditors and handles every conversation. No calls, no back-and-forth. You approve offers when they’re ready.
Reduce what you owe
Most creditors accept less than the full balance to resolve an account. You decide the offer. Worthy sends it.
Free to use
You’re never charged to use Worthy. No fees, ever. We’re an independent platform that works for you, not your creditors.
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.