분석된 URL
https://www.nerdwallet.com/finance/learn/utility-bills-script
AI-Ready 점수
58
/ D
미흡
/ 100
토큰 절감량
HTML 토큰
299.375
Markdown 토큰
452
절감
100%
점수 상세
시맨틱 HTML
73/100
콘텐츠 효율성
51/100
AI 발견 가능성
25/100
구조화 데이터
100/100
접근성
60/100
사이트에 llms.txt 파일이 없습니다. AI 에이전트가 사이트 구조를 이해하도록 돕는 새로운 표준입니다.
구현 방법
llmstxt.org 사양에 따라 /llms.txt 파일을 만드세요. 사이트 설명과 주요 페이지 링크를 포함하세요.
페이지의 실제 콘텐츠와 전체 HTML의 비율이 낮습니다. 페이지 무게의 상당 부분이 콘텐츠가 아닌 마크업, 스크립트, 스타일입니다.
구현 방법
CSS를 외부 스타일시트로 이동하고, 인라인 스타일을 제거하고, JavaScript를 최소화하고, HTML이 콘텐츠 구조에 집중하도록 하세요.
사이트가 Markdown for Agents를 지원하지 않습니다. 이 Cloudflare 표준을 통해 AI 에이전트가 마크다운 형식으로 콘텐츠를 요청할 수 있으며, 토큰 사용량을 ~80% 줄일 수 있습니다.
구현 방법
다음 중 하나 이상을 구현하세요: (1) Accept: text/markdown에 마크다운 콘텐츠로 응답. (2) .md URL 제공 (예: /page.md). (3) <link rel="alternate" type="text/markdown"> 태그 추가. (4) 마크다운 발견을 위한 Link HTTP 헤더 추가.
사이트맵을 찾을 수 없습니다. 사이트맵은 AI 에이전트가 사이트의 모든 페이지를 발견하는 데 도움을 줍니다.
구현 방법
모든 공개 페이지를 나열하는 /sitemap.xml을 만드세요. 대부분의 CMS 플랫폼에서 자동 생성할 수 있습니다.
Content-Signal 지시어가 발견되지 않았습니다. 이는 AI 에이전트에게 콘텐츠 사용 방법(검색 색인, AI 입력, 훈련 데이터)을 알려줍니다. 권장 위치는 robots.txt입니다.
구현 방법
robots.txt에 Content-Signal을 추가하세요: User-agent: *\nContent-Signal: search=yes, ai-input=yes, ai-train=no. 마크다운 응답의 HTTP 헤더로도 추가할 수 있습니다.
페이지가 <div> 요소에 크게 의존합니다. <section>, <nav>, <header>, <footer>, <aside> 같은 시맨틱 요소는 AI 에이전트에게 의미 있는 구조를 제공합니다.
구현 방법
범용 <div> 컨테이너를 적절한 시맨틱 요소로 교체하세요. 주제별 그룹에는 <section>, 내비게이션에는 <nav>, 페이지/섹션 헤더와 푸터에는 <header>/<footer>를 사용하세요.
페이지가 권장 크기보다 큽니다. 큰 페이지는 AI 에이전트에게 처리가 더 느리고 비용이 더 많이 듭니다.
구현 방법
HTML 최소화, 비핵심 스크립트 지연 로딩, 사용하지 않는 CSS 제거로 페이지 크기를 최적화하세요.
주요 콘텐츠가 HTML 문서의 후반부에 나타납니다. AI 에이전트는 일찍 나타나는 콘텐츠에 더 높은 가중치를 줄 수 있습니다.
구현 방법
<main> 또는 <article> 콘텐츠가 사이드바와 부가 콘텐츠보다 먼저 나타나도록 HTML을 재구성하세요.
HTML 페이지가 권장 수준보다 무겁습니다. 큰 페이지는 AI 에이전트의 처리에 더 많은 시간과 토큰이 필요합니다.
구현 방법
사용하지 않는 코드 제거, HTML 최소화, 비핵심 콘텐츠 지연 로딩으로 HTML 크기를 줄이세요.
일부 이미지에 설명적인 alt 속성이 없습니다. 좋은 alt 속성은 AI 에이전트가 이미지 내용과 맥락을 이해하는 데 도움을 줍니다.
구현 방법
모든 이미지에 설명적인 alt 속성을 추가하세요. '이미지'나 '사진'이 아닌 이미지가 보여주는 내용을 설명하세요. 장식용 이미지에는 alt="" (빈 값)을 사용하세요.
%0A%0AYou%20could%20potentially%20get%20a%20lower%20bill%2C%20or%2C%20more%20likely%2C%20find%20ways%20to%20cut%20costs%20through%20rebates%20and%20assistance%20programs.%20Or%20you%20may%20make%20charges%20more%20predictable%20and%20easier%20to%20plan%20for%20with%20an%20alternative%20payment%20plan.%0A%0A%23%23%20Your%20script%20for%20finding%20ways%20to%20save%0A%0AThe%20script%20below%20will%20help%20you%20ask%20about%20these%20opportunities%20and%20make%20your%20case.%20When%20you%20call%2C%20you%20may%20have%20to%20request%20to%20an%20automated%20operator%20that%20you%20%E2%80%9Cspeak%20to%20a%20representative%E2%80%9D%20a%20few%20times.%20When%20you%20connect%20with%20a%20real%20person%2C%20aim%20to%20be%20kind%2C%20but%20firm.%20Find%20more%20guidance%2C%20like%20how%20to%20prepare%20for%20a%20successful%20call%2C%20below%20the%20script.%0A%0A%23%23%23%20Introduce%20yourself%0A%0A%22Hi%2C%20my%20name%20is%20%5C%5BYour%20Name%5C%5D%2C%20and%20I%E2%80%99m%20a%20customer%20with%20%5C%5BUtility%20Company%5C%5D.%20I%E2%80%99d%20like%20to%20see%20if%20we%20can%20find%20way%20for%20me%20to%20save%20money.%22%0A%0A%23%23%23%20Verify%20account%20information%0A%0A%22My%20account%20number%20is%20%5C%5BAccount%20Number%5C%5D%2C%20if%20you'd%20like%20to%20verify%20my%20account%20details.%22%0A%0A%23%23%23%20Explain%20the%20issue%0A%0A%22Given%20my%20budget%20and%20other%20expenses%2C%20I%E2%80%99m%20finding%20it%20difficult%20to%20manage%20these%20costs.%20I%E2%80%99d%20like%20to%20explore%20if%20there%E2%80%99s%20a%20way%20to%20negotiate%20a%20lower%20bill%20or%20monthly%20payment%20or%20otherwise%20save%20me%20money.%22%0A%0A%23%23%23%20Make%20your%20request%0A%0AAt%20this%20point%2C%20focus%20on%20cost-saving%20opportunities%20you%E2%80%99ve%20researched.%20(See%20our%20guidance%20for%20how%20to%20do%20this%20research%20below%20the%20script.).%20Or%20highlight%20your%20specific%20situation%2C%20or%20ask%20about%20alternative%20options%20that%20can%20help.%0A%0AConsider%20these%20four%20tactics%2C%20if%20applicable%3A%0A%0AHighlight%20loyalty%20and%20payment%20history%0A%0A%22I%E2%80%99ve%20been%20a%20loyal%20customer%20for%20%5C%5Bnumber%20of%20years%5C%5D%20and%20have%20always%20paid%20on%20time.%20Is%20there%20any%20discount%20or%20loyalty%20program%20for%20long-term%20customers%20that%20I%20could%20benefit%20from%3F%22%0A%0AKeep%20reading%0A%0ALog%20in%20or%20create%20a%20free%20NerdWallet%20account%20for%20the%20rest%20of%20the%20script%20and%20guidance.%0A%0A!%5B%5D(https%3A%2F%2Fwww.nerdwallet.com%2Ftachyon%2F2024%2F02%2Flaptop-search-desktop.png)%0A){kind=link}
An initial draft of this script was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors. If you’re looking to lower a utility bill, calling a customer service representative can help. (Look for this number on your bill or company website.) You could potentially get a lower bill, or, more likely, find ways to cut costs through rebates and assistance programs. Or you may make charges more predictable and easier to plan for with an alternative payment plan. ## Your script for finding ways to save The script below will help you ask about these opportunities and make your case. When you call, you may have to request to an automated operator that you “speak to a representative” a few times. When you connect with a real person, aim to be kind, but firm. Find more guidance, like how to prepare for a successful call, below the script. ### Introduce yourself "Hi, my name is \[Your Name\], and I’m a customer with \[Utility Company\]. I’d like to see if we can find way for me to save money." ### Verify account information "My account number is \[Account Number\], if you'd like to verify my account details." ### Explain the issue "Given my budget and other expenses, I’m finding it difficult to manage these costs. I’d like to explore if there’s a way to negotiate a lower bill or monthly payment or otherwise save me money." ### Make your request At this point, focus on cost-saving opportunities you’ve researched. (See our guidance for how to do this research below the script.). Or highlight your specific situation, or ask about alternative options that can help. Consider these four tactics, if applicable: Highlight loyalty and payment history "I’ve been a loyal customer for \[number of years\] and have always paid on time. Is there any discount or loyalty program for long-term customers that I could benefit from?" Keep reading Log in or create a free NerdWallet account for the rest of the script and guidance. 
This Script May Help You Save on Utilities - NerdWallet [Skip to content](https://www.nerdwallet.com/finance/learn/utility-bills-script#main)[](https://www.nerdwallet.com/)   Search  [Sign In](https://www.nerdwallet.com/api/nts/v1/login?redirectTo=https%3A%2F%2Fwww.nerdwallet.com&initialScreen=signin)[JoinSign Up](https://www.nerdwallet.com/api/nts/v1/login?redirectTo=https%3A%2F%2Fwww.nerdwallet.com&initialScreen=signup)   My NerdWallet  Advertiser disclosure ### You're our first priority. Every time. We believe everyone should be able to make financial decisions with confidence. While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives. So how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies. However, these factors **do not influence our editors' opinions or ratings**, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. [Here is a list of our partners](https://www.nerdwallet.com/p/our-partners). # This Script May Help You Save on Utilities  Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https://www.nerdwallet.com/p/our-partners) and [here's how we make money](https://www.nerdwallet.com/p/advertiser-disclosure). Published Nov 8, 2024 1:35 p.m. PST · 7 min read Fact Checked How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. [More on our editorial rigor](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) [  ](https://www.nerdwallet.com/author/laura-mcmullen) Written by Laura McMullen [  ](https://www.nerdwallet.com/author/laura-mcmullen) [Laura McMullen](https://www.nerdwallet.com/author/laura-mcmullen) Editor & Content Strategist [](https://twitter.com/lauraemcmullen)[](https://www.linkedin.com/in/lauraemcmullen/) --- 10 years of experience Expertise - Personal finance - financial news - student loans Laura McMullen assigns and edits content related to personal loans and student loans. She previously edited money news content. Before then, Laura was a senior writer at NerdWallet and covered saving, making and budgeting money; she also contributed to the "Millennial Money" column for The Associated Press. Before joining NerdWallet in 2015, Laura worked for U.S. News & World Report, where she wrote and edited content related to careers, wellness and education and also contributed to the company's rankings projects. Before working at U.S. News & World Report, Laura interned at Vice Media and studied journalism, history and Arabic at Ohio University. Laura lives in Washington, D.C. Published in  Editor & Content Strategist + more [  ](https://www.nerdwallet.com/author/pamela-de-la-fuente) Edited by Pamela de la Fuente [  ](https://www.nerdwallet.com/author/pamela-de-la-fuente) [Pamela de la Fuente](https://www.nerdwallet.com/author/pamela-de-la-fuente) Managing Editor [](https://www.linkedin.com/in/pamela-de-la-fuente/) --- 23 years of experience Expertise - Personal Finance - Budgeting - Taxes - Retirement - Underrepresented communities Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage. Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more. Previously, she led taxes and retirement coverage at NerdWallet. Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years. Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all. She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group. Managing Editor + more [  ](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) Co-written by AI-Assisted NerdWallet [  ](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) [AI-Assisted NerdWallet](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) Writer --- An initial draft of this article was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors. Writer + more SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. An initial draft of this script was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors. If you’re looking to lower a utility bill, calling a customer service representative can help. (Look for this number on your bill or company website.) You could potentially get a lower bill, or, more likely, find ways to cut costs through rebates and assistance programs. Or you may make charges more predictable and easier to plan for with an alternative payment plan. ## Your script for finding ways to save The script below will help you ask about these opportunities and make your case. When you call, you may have to request to an automated operator that you “speak to a representative” a few times. When you connect with a real person, aim to be kind, but firm. Find more guidance, like how to prepare for a successful call, below the script. ### Introduce yourself "Hi, my name is \[Your Name\], and I’m a customer with \[Utility Company\]. I’d like to see if we can find way for me to save money." ### Verify account information "My account number is \[Account Number\], if you'd like to verify my account details." ### Explain the issue "Given my budget and other expenses, I’m finding it difficult to manage these costs. I’d like to explore if there’s a way to negotiate a lower bill or monthly payment or otherwise save me money." ### Make your request At this point, focus on cost-saving opportunities you’ve researched. (See our guidance for how to do this research below the script.). Or highlight your specific situation, or ask about alternative options that can help. Consider these four tactics, if applicable: Highlight loyalty and payment history "I’ve been a loyal customer for \[number of years\] and have always paid on time. Is there any discount or loyalty program for long-term customers that I could benefit from?" Keep reading Log in or create a free NerdWallet account for the rest of the script and guidance. [LOG IN](https://www.nerdwallet.com/)  **Article sources Article sources** NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our [editorial guidelines.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) Back to top About the authors [](https://www.nerdwallet.com/author/laura-mcmullen) [Laura McMullen](https://www.nerdwallet.com/author/laura-mcmullen) Laura writes about managing money for NerdWallet. Her work has appeared in The Associated Press, The New York Times, The Washington Post, and other outlets. [See full bio.](https://www.nerdwallet.com/author/laura-mcmullen) [](https://twitter.com/lauraemcmullen)[](https://www.nerdwallet.com/cdn-cgi/l/email-protection#472b2a242a322b2b2229072922352330262b2b22336924282a)[](https://www.linkedin.com/in/lauraemcmullen/) [](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) [AI-Assisted NerdWallet](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) An initial draft of this article was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors. [See full bio.](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) [](https://www.nerdwallet.com/cdn-cgi/l/email-protection#f59487819c96999086b59b908791829499999081db969a98) Helpful resources [ How to Pay Off Debt: Top Strategies for 2026 ](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt) [ Credit Score Ranges: What They Mean and How They Work ](https://www.nerdwallet.com/finance/learn/credit-score-ranges-and-how-to-improve) [ How to Budget Money in 5 Steps ](https://www.nerdwallet.com/finance/learn/how-to-budget) [ 28 Proven Ways to Save Money ](https://www.nerdwallet.com/finance/learn/how-to-save-money) More like this [The Financial Glow Up](https://www.nerdwallet.com/finance/hubs/glowup)[Personal Finance News](https://www.nerdwallet.com/finance/news)[Making Money](https://www.nerdwallet.com/finance/hubs/making-money)[Paying Your Bills](https://www.nerdwallet.com/finance/hubs/paying-your-bills)[Personal Finance](https://www.nerdwallet.com/finance) Related articles [  Get Your Free Credit Score  By NerdWallet ](https://www.nerdwallet.com/p/free-credit-score) [  How to Pay Off Debt: Top Strategies for 2026  2 By Lauren Schwahn, Jackie Veling ](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt) [  50/30/20 Budget Calculator  2 By Amanda Barroso, Elizabeth Ayoola ](https://www.nerdwallet.com/finance/learn/nerdwallet-budget-calculator)
이 파일을 서버의 /finance/learn/utility-bills-script.md에 업로드하여 AI 에이전트가 페이지의 깔끔한 버전에 접근할 수 있게 하세요. Accept: text/markdown 콘텐츠 협상을 설정하여 자동으로 제공할 수도 있습니다.
이 단일 페이지용으로 생성된 llms.txt
# NerdWallet > Calling your utility provider may help you find rebates, discounts and other ways to save. Here's exactly what to say while you're on the call, as well as what to research beforehand. ## Main - [This Script May Help You Save on Utilities](https://www.nerdwallet.com/finance/learn/utility-bills-script): Calling your utility provider may help you find rebates, discounts and other ways to save. Here's exactly what to say w… - [Company](https://www.nerdwallet.com/company) - [Skip to content](https://www.nerdwallet.com/) - [Explore more credit card resources](https://www.nerdwallet.com/credit-cards) - [Best credit cards](https://www.nerdwallet.com/credit-cards/best) - [Best credit card bonus offers](https://www.nerdwallet.com/credit-cards/best/bonus-offers) - [Best balance transfer credit cards](https://www.nerdwallet.com/credit-cards/best/balance-transfer) - [Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel) - [Best cash back credit cards](https://www.nerdwallet.com/credit-cards/best/cash-back) - [Best 0% APR credit cards](https://www.nerdwallet.com/credit-cards/best/zero-percent) ## Blog - [Today's mortgage news](https://www.nerdwallet.com/mortgages/news) ## Legal - [Business legal](https://www.nerdwallet.com/business/legal) - [Terms of use](https://www.nerdwallet.com/p/terms-of-use) - [Privacy policy](https://www.nerdwallet.com/p/privacy-policy)
전체 llms.txt는 도메인 전체 분석이 필요합니다 (곧 출시)
이 파일을 도메인 루트의 https://www.nerdwallet.com/llms.txt에 업로드하세요. ChatGPT, Claude, Perplexity 등의 AI 에이전트가 이 파일을 확인하여 사이트 구조를 파악합니다.
시맨틱 HTML
article 또는 main 요소 사용
(100/100)
Has <main>
올바른 제목 계층 구조
(100/100)
Clean heading hierarchy
시맨틱 HTML 요소 사용
(16/100)
24 semantic elements, 473 divs (ratio: 5%)
의미 있는 이미지 alt 속성
(56/100)
29/52 images with meaningful alt text
낮은 div 중첩 깊이
(83/100)
Avg div depth: 6.7, max: 20
콘텐츠 효율성
양호한 토큰 감소율
(100/100)
100% token reduction (HTML→Markdown)
양호한 콘텐츠 대 잡음 비율
(0/100)
Content ratio: 0.2% (1986 content chars / 823231 HTML bytes)
최소한의 인라인 스타일
(50/100)
29/1661 elements with inline styles (1.7%)
적절한 페이지 무게
(20/100)
HTML size: 804KB
AI 발견 가능성
llms.txt 파일 있음
(0/100)
No llms.txt found
robots.txt 파일 있음
(100/100)
robots.txt exists
robots.txt가 AI 봇 허용
(100/100)
All major AI bots allowed
sitemap.xml 있음
(0/100)
No sitemap found
Markdown for Agents 지원
(0/100)
✗ Accept: text/markdown
✗ .md URL
✗ <link> tag
✗ Link header
Content-Signal 있음 (robots.txt 또는 HTTP 헤더)
(0/100)
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"markdown": "An initial draft of this script was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors.\n\nIf you’re looking to lower a utility bill, calling a customer service representative can help. (Look for this number on your bill or company website.)\n\nYou could potentially get a lower bill, or, more likely, find ways to cut costs through rebates and assistance programs. Or you may make charges more predictable and easier to plan for with an alternative payment plan.\n\n## Your script for finding ways to save\n\nThe script below will help you ask about these opportunities and make your case. When you call, you may have to request to an automated operator that you “speak to a representative” a few times. When you connect with a real person, aim to be kind, but firm. Find more guidance, like how to prepare for a successful call, below the script.\n\n### Introduce yourself\n\n\"Hi, my name is \\[Your Name\\], and I’m a customer with \\[Utility Company\\]. I’d like to see if we can find way for me to save money.\"\n\n### Verify account information\n\n\"My account number is \\[Account Number\\], if you'd like to verify my account details.\"\n\n### Explain the issue\n\n\"Given my budget and other expenses, I’m finding it difficult to manage these costs. I’d like to explore if there’s a way to negotiate a lower bill or monthly payment or otherwise save me money.\"\n\n### Make your request\n\nAt this point, focus on cost-saving opportunities you’ve researched. (See our guidance for how to do this research below the script.). Or highlight your specific situation, or ask about alternative options that can help.\n\nConsider these four tactics, if applicable:\n\nHighlight loyalty and payment history\n\n\"I’ve been a loyal customer for \\[number of years\\] and have always paid on time. Is there any discount or loyalty program for long-term customers that I could benefit from?\"\n\nKeep reading\n\nLog in or create a free NerdWallet account for the rest of the script and guidance.\n\n\n",
"fullPageMarkdown": "This Script May Help You Save on Utilities - NerdWallet\n\n[Skip to content](https://www.nerdwallet.com/finance/learn/utility-bills-script#main)[![Nerdwallet 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While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives.\n\nSo how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies.\n\nHowever, these factors **do not influence our editors' opinions or ratings**, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. [Here is a list of our partners](https://www.nerdwallet.com/p/our-partners).\n\n# This Script May Help You Save on Utilities\n\n\n\nMany, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https://www.nerdwallet.com/p/our-partners) and [here's how we make money](https://www.nerdwallet.com/p/advertiser-disclosure).\n\nPublished Nov 8, 2024 1:35 p.m. PST · 7 min read\n\nFact Checked\n\nHow is this page expert verified?\n\nNerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.\n\n[More on our editorial rigor](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines)\n\n[\n\n\n\n](https://www.nerdwallet.com/author/laura-mcmullen)\n\nWritten by Laura McMullen\n\n[\n\n\n\n](https://www.nerdwallet.com/author/laura-mcmullen)\n\n[Laura McMullen](https://www.nerdwallet.com/author/laura-mcmullen)\n\nEditor & Content Strategist\n\n[](https://twitter.com/lauraemcmullen)[](https://www.linkedin.com/in/lauraemcmullen/)\n\n---\n\n10 years of experience\n\nExpertise\n\n- Personal finance\n- financial news\n- student loans\n\nLaura McMullen assigns and edits content related to personal loans and student loans. She previously edited money news content. Before then, Laura was a senior writer at NerdWallet and covered saving, making and budgeting money; she also contributed to the \"Millennial Money\" column for The Associated Press. Before joining NerdWallet in 2015, Laura worked for U.S. News & World Report, where she wrote and edited content related to careers, wellness and education and also contributed to the company's rankings projects. Before working at U.S. News & World Report, Laura interned at Vice Media and studied journalism, history and Arabic at Ohio University. Laura lives in Washington, D.C.\n\nPublished in ![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp \"The Associated Press\")![The New York Times](https://cdns3.nerdwallet.com/lending/publication-logos/TheNewYorkTimes.webp \"The New York Times\")![The Washington Post](https://cdns3.nerdwallet.com/lending/publication-logos/TheWashingtonPost.webp \"The Washington Post\")![U.S. News & World Report](https://cdns3.nerdwallet.com/lending/publication-logos/USNewsAndWorldReport.webp \"U.S. News & World Report\")\n\nEditor & Content Strategist\n\n+ more \n\n[\n\n\n\n](https://www.nerdwallet.com/author/pamela-de-la-fuente)\n\nEdited by Pamela de la Fuente\n\n[\n\n\n\n](https://www.nerdwallet.com/author/pamela-de-la-fuente)\n\n[Pamela de la Fuente](https://www.nerdwallet.com/author/pamela-de-la-fuente)\n\nManaging Editor\n\n[](https://www.linkedin.com/in/pamela-de-la-fuente/)\n\n---\n\n23 years of experience\n\nExpertise\n\n- Personal Finance\n- Budgeting\n- Taxes\n- Retirement\n- Underrepresented communities\n\nPamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage.\n\nAsk her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more.\n\nPreviously, she led taxes and retirement coverage at NerdWallet.\n\nPamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years.\n\nPamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.\n\nShe is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group.\n\nManaging Editor\n\n+ more \n\n[\n\n\n\n](https://www.nerdwallet.com/author/ai-assisted-nerdwallet)\n\nCo-written by AI-Assisted NerdWallet\n\n[\n\n\n\n](https://www.nerdwallet.com/author/ai-assisted-nerdwallet)\n\n[AI-Assisted NerdWallet](https://www.nerdwallet.com/author/ai-assisted-nerdwallet)\n\nWriter\n\n---\n\nAn initial draft of this article was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors.\n\nWriter\n\n+ more \n\nSOME CARD INFO MAY BE OUTDATED\n\nThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.\n\nAn initial draft of this script was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors.\n\nIf you’re looking to lower a utility bill, calling a customer service representative can help. (Look for this number on your bill or company website.)\n\nYou could potentially get a lower bill, or, more likely, find ways to cut costs through rebates and assistance programs. Or you may make charges more predictable and easier to plan for with an alternative payment plan.\n\n## Your script for finding ways to save\n\nThe script below will help you ask about these opportunities and make your case. When you call, you may have to request to an automated operator that you “speak to a representative” a few times. When you connect with a real person, aim to be kind, but firm. Find more guidance, like how to prepare for a successful call, below the script.\n\n### Introduce yourself\n\n\"Hi, my name is \\[Your Name\\], and I’m a customer with \\[Utility Company\\]. I’d like to see if we can find way for me to save money.\"\n\n### Verify account information\n\n\"My account number is \\[Account Number\\], if you'd like to verify my account details.\"\n\n### Explain the issue\n\n\"Given my budget and other expenses, I’m finding it difficult to manage these costs. I’d like to explore if there’s a way to negotiate a lower bill or monthly payment or otherwise save me money.\"\n\n### Make your request\n\nAt this point, focus on cost-saving opportunities you’ve researched. (See our guidance for how to do this research below the script.). Or highlight your specific situation, or ask about alternative options that can help.\n\nConsider these four tactics, if applicable:\n\nHighlight loyalty and payment history\n\n\"I’ve been a loyal customer for \\[number of years\\] and have always paid on time. Is there any discount or loyalty program for long-term customers that I could benefit from?\"\n\nKeep reading\n\nLog in or create a free NerdWallet account for the rest of the script and guidance.\n\n[LOG IN](https://www.nerdwallet.com/)\n\n\n\n**Article sources Article sources**\n\nNerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our [editorial guidelines.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines)\n\nBack to top\n\nAbout the authors\n\n[![Laura McMullen](https://www.nerdwallet.com/tachyon/2020/12/laura_hs_square.jpg?resize=70%2C70 \"Laura McMullen\")](https://www.nerdwallet.com/author/laura-mcmullen)\n\n[Laura McMullen](https://www.nerdwallet.com/author/laura-mcmullen) Laura writes about managing money for NerdWallet. Her work has appeared in The Associated Press, The New York Times, The Washington Post, and other outlets. [See full bio.](https://www.nerdwallet.com/author/laura-mcmullen)\n\n[](https://twitter.com/lauraemcmullen)[](https://www.nerdwallet.com/cdn-cgi/l/email-protection#472b2a242a322b2b2229072922352330262b2b22336924282a)[](https://www.linkedin.com/in/lauraemcmullen/)\n\n[![AI-Assisted NerdWallet](https://www.nerdwallet.com/tachyon/2019/07/nerdwallet-logo.jpg?resize=70%2C70 \"AI-Assisted NerdWallet\")](https://www.nerdwallet.com/author/ai-assisted-nerdwallet)\n\n[AI-Assisted NerdWallet](https://www.nerdwallet.com/author/ai-assisted-nerdwallet) An initial draft of this article was created by NerdWallet using automation technology, then thoroughly reviewed, edited and fact-checked by NerdWallet’s human writers and editors. [See full bio.](https://www.nerdwallet.com/author/ai-assisted-nerdwallet)\n\n[](https://www.nerdwallet.com/cdn-cgi/l/email-protection#f59487819c96999086b59b908791829499999081db969a98)\n\nHelpful resources\n\n[\n\nHow to Pay Off Debt: Top Strategies for 2026\n\n](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt)\n\n[\n\nCredit Score Ranges: What They Mean and How They Work\n\n](https://www.nerdwallet.com/finance/learn/credit-score-ranges-and-how-to-improve)\n\n[\n\nHow to Budget Money in 5 Steps\n\n](https://www.nerdwallet.com/finance/learn/how-to-budget)\n\n[\n\n28 Proven Ways to Save Money\n\n](https://www.nerdwallet.com/finance/learn/how-to-save-money)\n\nMore like this\n\n[The Financial Glow Up](https://www.nerdwallet.com/finance/hubs/glowup)[Personal Finance News](https://www.nerdwallet.com/finance/news)[Making Money](https://www.nerdwallet.com/finance/hubs/making-money)[Paying Your Bills](https://www.nerdwallet.com/finance/hubs/paying-your-bills)[Personal Finance](https://www.nerdwallet.com/finance)\n\nRelated articles\n\n[\n\n\n\nGet Your Free Credit Score\n\n\n\nBy NerdWallet\n\n](https://www.nerdwallet.com/p/free-credit-score)\n\n[\n\n\n\nHow to Pay Off Debt: Top Strategies for 2026\n\n\n\n2\n\nBy Lauren Schwahn, Jackie Veling\n\n](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt)\n\n[\n\n\n\n50/30/20 Budget Calculator\n\n\n\n2\n\nBy Amanda Barroso, Elizabeth Ayoola\n\n](https://www.nerdwallet.com/finance/learn/nerdwallet-budget-calculator)\n",
"markdownStats": {
"images": 1,
"links": 0,
"tables": 0,
"codeBlocks": 0,
"headings": 5
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"tokens": {
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"markdownTokens": 452,
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"grade": "D",
"dimensions": {
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"checks": {
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"score": 100,
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},
"proper_heading_hierarchy": {
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"low_div_nesting": {
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}
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},
"content_to_noise_ratio": {
"score": 0,
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"details": "Content ratio: 0.2% (1986 content chars / 823231 HTML bytes)"
},
"minimal_inline_styles": {
"score": 50,
"weight": 15,
"details": "29/1661 elements with inline styles (1.7%)"
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"reasonable_page_weight": {
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"details": "HTML size: 804KB"
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},
"aiDiscoverability": {
"score": 25,
"weight": 25,
"grade": "F",
"checks": {
"has_llms_txt": {
"score": 0,
"weight": 20,
"details": "No llms.txt found"
},
"has_robots_txt": {
"score": 100,
"weight": 10,
"details": "robots.txt exists"
},
"robots_allows_ai_bots": {
"score": 100,
"weight": 15,
"details": "All major AI bots allowed"
},
"has_sitemap": {
"score": 0,
"weight": 10,
"details": "No sitemap found"
},
"supports_markdown_negotiation": {
"score": 0,
"weight": 25,
"details": "No Markdown for Agents support detected"
},
"has_content_signals": {
"score": 0,
"weight": 20,
"details": "No Content-Signal found (robots.txt or HTTP headers)"
}
}
},
"structuredData": {
"score": 100,
"weight": 15,
"grade": "A",
"checks": {
"has_schema_org": {
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"details": "JSON-LD found: BreadcrumbList, Article, SoftwareApplication"
},
"has_open_graph": {
"score": 100,
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"details": "All OG tags present"
},
"has_meta_description": {
"score": 100,
"weight": 20,
"details": "Meta description: 183 chars"
},
"has_canonical_url": {
"score": 100,
"weight": 15,
"details": "Canonical URL present"
},
"has_lang_attribute": {
"score": 100,
"weight": 10,
"details": "lang=\"en\""
}
}
},
"accessibility": {
"score": 60,
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"grade": "C",
"checks": {
"content_without_js": {
"score": 100,
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"details": "Content available without JavaScript"
},
"reasonable_page_size": {
"score": 40,
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"fast_content_position": {
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},
"recommendations": [
{
"id": "add_llms_txt",
"priority": "critical",
"category": "aiDiscoverability",
"titleKey": "rec.add_llms_txt.title",
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"howToKey": "rec.add_llms_txt.howto",
"effort": "quick-win",
"estimatedImpact": 10,
"checkScore": 0,
"checkDetails": "No llms.txt found"
},
{
"id": "improve_content_ratio",
"priority": "critical",
"category": "contentEfficiency",
"titleKey": "rec.improve_content_ratio.title",
"descriptionKey": "rec.improve_content_ratio.description",
"howToKey": "rec.improve_content_ratio.howto",
"effort": "moderate",
"estimatedImpact": 6,
"checkScore": 0,
"checkDetails": "Content ratio: 0.2% (1986 content chars / 823231 HTML bytes)"
},
{
"id": "add_markdown_negotiation",
"priority": "critical",
"category": "aiDiscoverability",
"titleKey": "rec.add_markdown_negotiation.title",
"descriptionKey": "rec.add_markdown_negotiation.description",
"howToKey": "rec.add_markdown_negotiation.howto",
"effort": "significant",
"estimatedImpact": 6,
"checkScore": 0,
"checkDetails": "No Markdown for Agents support detected"
},
{
"id": "add_sitemap",
"priority": "critical",
"category": "aiDiscoverability",
"titleKey": "rec.add_sitemap.title",
"descriptionKey": "rec.add_sitemap.description",
"howToKey": "rec.add_sitemap.howto",
"effort": "quick-win",
"estimatedImpact": 5,
"checkScore": 0,
"checkDetails": "No sitemap found"
},
{
"id": "add_content_signals",
"priority": "critical",
"category": "aiDiscoverability",
"titleKey": "rec.add_content_signals.title",
"descriptionKey": "rec.add_content_signals.description",
"howToKey": "rec.add_content_signals.howto",
"effort": "quick-win",
"estimatedImpact": 5,
"checkScore": 0,
"checkDetails": "No Content-Signal found (robots.txt or HTTP headers)"
},
{
"id": "add_semantic_elements",
"priority": "high",
"category": "semanticHtml",
"titleKey": "rec.add_semantic_elements.title",
"descriptionKey": "rec.add_semantic_elements.description",
"howToKey": "rec.add_semantic_elements.howto",
"effort": "moderate",
"estimatedImpact": 5,
"checkScore": 16,
"checkDetails": "24 semantic elements, 473 divs (ratio: 5%)"
},
{
"id": "reduce_page_size",
"priority": "high",
"category": "accessibility",
"titleKey": "rec.reduce_page_size.title",
"descriptionKey": "rec.reduce_page_size.description",
"howToKey": "rec.reduce_page_size.howto",
"effort": "moderate",
"estimatedImpact": 4,
"checkScore": 40,
"checkDetails": "Page size: 804KB"
},
{
"id": "move_content_earlier",
"priority": "high",
"category": "accessibility",
"titleKey": "rec.move_content_earlier.title",
"descriptionKey": "rec.move_content_earlier.description",
"howToKey": "rec.move_content_earlier.howto",
"effort": "moderate",
"estimatedImpact": 4,
"checkScore": 25,
"checkDetails": "Main content starts at 73% of HTML"
},
{
"id": "reduce_page_weight",
"priority": "high",
"category": "contentEfficiency",
"titleKey": "rec.reduce_page_weight.title",
"descriptionKey": "rec.reduce_page_weight.description",
"howToKey": "rec.reduce_page_weight.howto",
"effort": "significant",
"estimatedImpact": 4,
"checkScore": 20,
"checkDetails": "HTML size: 804KB"
},
{
"id": "improve_alt_texts",
"priority": "medium",
"category": "semanticHtml",
"titleKey": "rec.improve_alt_texts.title",
"descriptionKey": "rec.improve_alt_texts.description",
"howToKey": "rec.improve_alt_texts.howto",
"effort": "moderate",
"estimatedImpact": 4,
"checkScore": 56,
"checkDetails": "29/52 images with meaningful alt text"
}
],
"llmsTxtPreview": "# NerdWallet\n\n> Calling your utility provider may help you find rebates, discounts and other ways to save. Here's exactly what to say while you're on the call, as well as what to research beforehand.\n\n## Main\n- [This Script May Help You Save on Utilities](https://www.nerdwallet.com/finance/learn/utility-bills-script): Calling your utility provider may help you find rebates, discounts and other ways to save. Here's exactly what to say w…\n- [Company](https://www.nerdwallet.com/company)\n- [Skip to content](https://www.nerdwallet.com/)\n- [Explore more credit card resources](https://www.nerdwallet.com/credit-cards)\n- [Best credit cards](https://www.nerdwallet.com/credit-cards/best)\n- [Best credit card bonus offers](https://www.nerdwallet.com/credit-cards/best/bonus-offers)\n- [Best balance transfer credit cards](https://www.nerdwallet.com/credit-cards/best/balance-transfer)\n- [Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel)\n- [Best cash back credit cards](https://www.nerdwallet.com/credit-cards/best/cash-back)\n- [Best 0% APR credit cards](https://www.nerdwallet.com/credit-cards/best/zero-percent)\n\n## Blog\n- [Today's mortgage news](https://www.nerdwallet.com/mortgages/news)\n\n## Legal\n- [Business legal](https://www.nerdwallet.com/business/legal)\n- [Terms of use](https://www.nerdwallet.com/p/terms-of-use)\n- [Privacy policy](https://www.nerdwallet.com/p/privacy-policy)\n\n",
"llmsTxtExisting": null,
"snippets": [
{
"id": "add_llms_txt",
"title": "Create /llms.txt",
"description": "Upload this file to your web root. It tells AI agents what your site is about and which pages matter.",
"language": "markdown",
"code": "# NerdWallet\n\n> Calling your utility provider may help you find rebates, discounts and other ways to save. Here's exactly what to say while you're on the call, as well as what to research beforehand.\n\n## Main\n- [This Script May Help You Save on Utilities](https://www.nerdwallet.com/finance/learn/utility-bills-script): Calling your utility provider may help you find rebates, discounts and other ways to save. Here's exactly what to say w…\n- [Company](https://www.nerdwallet.com/company)\n- [Skip to content](https://www.nerdwallet.com/)\n- [Explore more credit card resources](https://www.nerdwallet.com/credit-cards)\n- [Best credit cards](https://www.nerdwallet.com/credit-cards/best)\n- [Best credit card bonus offers](https://www.nerdwallet.com/credit-cards/best/bonus-offers)\n- [Best balance transfer credit cards](https://www.nerdwallet.com/credit-cards/best/balance-transfer)\n- [Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel)\n- [Best cash back credit cards](https://www.nerdwallet.com/credit-cards/best/cash-back)\n- [Best 0% APR credit cards](https://www.nerdwallet.com/credit-cards/best/zero-percent)\n\n## Blog\n- [Today's mortgage news](https://www.nerdwallet.com/mortgages/news)\n\n## Legal\n- [Business legal](https://www.nerdwallet.com/business/legal)\n- [Terms of use](https://www.nerdwallet.com/p/terms-of-use)\n- [Privacy policy](https://www.nerdwallet.com/p/privacy-policy)\n\n",
"filename": "/llms.txt"
},
{
"id": "add_sitemap",
"title": "Create /sitemap.xml",
"description": "A sitemap helps AI agents discover all your pages. Most CMS platforms generate one automatically.",
"language": "xml",
"code": "<?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<urlset xmlns=\"http://www.sitemaps.org/schemas/sitemap/0.9\">\n <url>\n <loc>https://www.nerdwallet.com/finance/learn/utility-bills-script</loc>\n <lastmod>2026-02-18</lastmod>\n </url>\n</urlset>",
"filename": "/sitemap.xml"
},
{
"id": "add_content_signals",
"title": "Add Content-Signal directives",
"description": "Content-Signal tells AI agents how they may use your content. The recommended location is robots.txt, but you can also add it as an HTTP header.",
"language": "txt",
"code": "# robots.txt (recommended, canonical location):\nUser-agent: *\nContent-Signal: search=yes, ai-input=yes, ai-train=no\n\n# Nginx — add to server block (optional, for HTTP header):\n# add_header Content-Signal \"search=yes, ai-input=yes, ai-train=no\" always;\n\n# Apache — add to .htaccess (optional, for HTTP header):\n# Header set Content-Signal \"search=yes, ai-input=yes, ai-train=no\"",
"filename": "/robots.txt"
},
{
"id": "add_markdown_negotiation",
"title": "Support Markdown for Agents",
"description": "Implement one or more of the 4 Markdown for Agents mechanisms to let AI agents request content in markdown format.",
"language": "html",
"code": "<!-- 1. Content negotiation: respond to Accept: text/markdown -->\n<!-- In your server/framework, check the Accept header and return markdown -->\n<!-- with Content-Type: text/markdown -->\n\n<!-- 2. Serve .md URLs (e.g., /about.md alongside /about) -->\n<!-- Generate static .md files or handle .md routes in your app -->\n\n<!-- 3. Add <link> tag in your HTML <head>: -->\n<link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">\n\n<!-- 4. Add Link HTTP header on HTML responses: -->\n<!-- Link: </page.md>; rel=\"alternate\"; type=\"text/markdown\" -->\n\n<!-- Best practice: include Vary: Accept and X-Markdown-Tokens headers -->\n<!-- on markdown responses -->",
"filename": "<head> + server config"
}
]
}API를 사용하여 프로그래밍 방식으로 가져올 수 있습니다 (곧 출시)
이 JSON은 내부용입니다 — Markdown 및 llms.txt 파일과 달리 사이트에 업로드하기 위한 것이 아닙니다. 시간에 따른 점수 추적을 위한 기준값으로 저장하거나, 개발팀과 공유하거나, CI/CD 파이프라인에 통합하세요.
곧 출시: 전체 도메인 분석
전체 도메인을 크롤링하고, llms.txt를 생성하고, AI 준비도 점수를 시간에 따라 모니터링하세요. 대기자 명단에 등록하여 알림을 받으세요.
명단에 등록되었습니다! 서비스 출시 시 알려드리겠습니다.