A computer software method implemented on a computer for real-time analysis of a company's bill, such as a cell phone bill, by submitting a bill, generated by the billing company in electronic format, over the Internet, using computer loaded published public and current market information for selected billing companies. The computer advises the bill submitter, in real-time, by providing a report for submission to said billing company for correction and adds report to a blind summary in memory of generated reports by type of errors for billing companies from previous analysis for each billing company's collective errors and uses the collective summary for each billing company to enhance and improve future bill analysis on the computer and to provide a summary for each billing company.