Last updated August 10, 2026 · Operated by 5AM Group LLC, California
Trim My Rate is a done-for-you bill negotiation service. You submit your information, we schedule a call, and a negotiation specialist contacts your provider on your behalf.
You remain on the call the entire time and hear the outcome live. There is no version of this where we go off and do something to your account without you.
Success-only. If we don't reduce your bill, you owe nothing.
Your card is collected at intake and held securely by our payment processor. It is not charged then. It's charged only after your provider states a new rate, we show you the exact savings and the exact fee, and you approve both on the call.
You'll get a confirmation email with your receipt and savings amount right after.
If we save you $30/month → first-year savings $360 → our fee is $126.
If we save you $40/month or more → the cap applies → our fee is $150, no matter how large the savings.
By submitting the intake form, you authorize a Trim My Rate specialist to contact your service provider on your behalf while you remain on the call.
You'll confirm your identity and account details directly with the provider. We will never ask you to leave the call, and we don't want your account password.
Some providers require a 1–2 year contract extension as a condition of a rate reduction. By proceeding you acknowledge this is possible, and agree that an extension doesn't change our fee.
Our specialist will tell you before you agree to anything. The decision is always yours.
Talking about cancellation is a normal way to reach a provider's retention department — it's often the only way to reach someone with authority to discount.
But we will never actually schedule a disconnection of your service. Nothing happens to your account without your spoken approval on the call.
We negotiate rate reductions. That's it.
If your provider offers a bundle, a package change, or a service upgrade during the call, that decision is yours and we'll step back. Our fee applies provided a rate reduction is confirmed.
We follow up when your next bill arrives to confirm the savings actually landed.
If your bill wasn't reduced as agreed, tell us within 60 days of your call and show us the bill. We'll call your provider again at no charge to get the agreed rate applied — this is usually a clerical error on their end and a second call resolves it.
If it still can't be fixed, we refund our fee in full.
Providers make the final decision, and we can't guarantee every call results in savings. Results vary by provider, by plan, and by which competing services are available at your address.
If no savings are achieved, you are not charged.
You must be 18 or older, and be the account holder or authorized by the account holder for the account we're calling about.
You can cancel any time before your call, at no cost — reply to your booking confirmation or email us. Since nothing is charged unless we save you money, there's nothing to refund.
We provide this service with reasonable care. To the fullest extent permitted by law, our total liability to you is limited to the amount of the fee you paid us.
We're not responsible for the terms your provider offers, for changes your provider later makes to your plan, or for any interruption of service resulting from actions you approve on the call.
Your information is used solely to prepare for and conduct your negotiation call. We don't sell your information. Full detail in our Privacy Policy.
These terms are governed by the laws of the State of California.
Questions about any of this: hello@trimmyrate.com