Getting started
How a check works, end to end
Every billoquy check follows the same path: a free diagnostic, a finding that cites its sources, and — if there is money on the table — a prepared fix that waits for your approval. Here is the whole thing, in order.
The shape of a check
You hand us a bill. We read it against the public record — the tariff databases, hospital price files, and broadband labels the government publishes, plus CFPB fee guidance — and tell you, in plain language, what we found and what it is worth. That part is free and needs no account.
If the finding is worth fixing, we prepare the fix: the letter, the dispute, or the waiver. It sits in your account until you approve it. Nothing is filed, sent, or paid on your behalf without that approval.
Step by step
- Hand us the paperwork. Pick a check and give it what it asks for — a photo or PDF of a bill, or a few fields like your ZIP. You can do this without signing in.
- We read the public record. Usually about a minute. We compare your bill to the public source for that check and write up what we found.
- You see the finding, with citations. A headline, plain detail, the dollar figure and whether it is annual or one-time, a confidence level, and a link to every source we used. If we found nothing worth acting on, we say so.
- If it is worth fixing, you decide. The fix is a flat price (see below). Pay it and we draft the fix; skip it and nothing else happens.
- We prepare the fix and hold it. The finished letter or packet lands in your account marked "held for your approval."
- You approve — then it moves. Only you can approve, signed in on the web. Approving releases the fix; declining shelves it. Nothing leaves before that.
What you need to start
- For any check (energy, medical, internet, fees): a photo or PDF of the relevant bill or statement, plus a field or two like your ZIP.
- No account to run a free check. To save a finding or approve a fix, you sign in with a one-time link sent to your email — no password.
Which check needs what is spelled out on The four checks. Medical is rolling out hospital by hospital; if yours is not loaded yet we tell you plainly and charge nothing.
The price
Flat per fix, never a cut
Finding out is free. A prepared fix is a flat price by check — $19 for the quicker letter fixes (energy, internet, fees) and $49 for the document-and-decision-heavy one (medical) — the same whether we find you $80 or $8,000. We never take a percentage of your savings, so we are never quietly rooting against them. You only ever pay for a fix you chose to buy, and you still approve it before it goes anywhere. Full breakdown on the pricing page.
What "you approve" means
Prepared, never sent without you
billoquy is your staff, not your agent. It reads, it drafts, and then it stops. Every prepared fix waits in your account until you approve it — there is no send button you did not press. The same holds for an AI assistant you connect: it can run checks and prepare fixes, but approval is yours alone, taken while signed in on the web.
After you approve
Approving releases the prepared fix and we finalize it for delivery. Depending on the check that is the rate-plan switch request, the itemized dispute letter, the retention ask, or the bank fee-waiver request — ready for you to send or file. You can view everything, and manage billing for any fixes you bought, from your account.
That is the whole loop. Next: see what each of the four checks finds, or — if you want an assistant to run this for you — read theMCP connection guide.