Negotiated credit(s) will show up directly on your monthly bill. Sometimes they can be tricky to find! Most people locate credits on the last page of their bill or statement. Negotiated credits are NOT sent via check or deposited into your account.
Normally you will see negotiated credits within 2 billing cycles. This is because each OneMain Trim user's billing cycle varies and it is possible that our negotiation will take place after the cutoff date for changes to your next bill.