Sometimes a name is descriptive. LowerMyBills owns and operates LowerMyBill.com, a Web site that helps consumers find the best deals on services across 20 categories, including long distance and cellular phone service, Internet access, loans, credit cards, utilities, and insurance rates. It also offers online tools such as a mortgage calculator, a price comparison service, and a debt wizard. The company has relationships with more than 500 service providers. LowerMyBills earns money through sales commissions. The company is part of Experian Americas, a subsidiary of credit-reporting firm Experian.