ZApp Your Debt

We offer you a simple and effective alternative to bankruptcy.

Free Credit Score Calculator

Do you know your credit score?

Our free credit score calculator will give you a fairly accurate estimate of your credit score. Answer these five simple questions and we will calculate your credit score for you, no strings attached.

Your Score:

(click Calculate My Credit Score)
1.  How many times have you applied for credit in the last six months?
2.  Do you have any of the following entries listed on your credit report?
  • Bankruptcy
  • Charge Off
  • Currently Past Due
  • Forclosure
  • Judgement
  • Serious Late Payment (90+ days)
  • Settlement
  • Tax Lien
  • 3.  How many of the following open or closed accounts are listed on your credit report?
    Auto Loans. . . . . . . . . . .
    Department Store Cards  
    Major Credit Cards. . . . .
    Mortgages . . . . . . . . . . .
    Student Loans . . . . . . . .
    Other Loans. . . . . . . . . .
    4.  How old is your oldest active credit card, loan or mortgage?
    5.  Identify your total credit limit and total available credit of your open credit cards.
    Total Credit Limit
    Available Credit

    Learn how to get out of debt in 18 months (or less)

    ❝You'd think someone with a Finance degree would be able to avoid debt❞

    You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

    When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

    I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.

    I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

    Lovina Penry - California

    Thank you for having a program such as this. If everyone with debt problems knew about your software and used it, the credit card companies would be the ones in financial trouble.

    Thomas Nero - Ohio
    See all testimonials

    Why ZilchWorks

    We believe you need to watch out for what we call "Debt Sharks". These are companies that prey upon people in debt because they know how vulnerable debt-ridden people can be.