ZilchWorks Debt Reduction Software Free credit score calculator helps you stay on top of your personal finacial information.
Knowing your credit score is important. Answer a few simple questions and find out your credit score right now.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Get your credit score for free right now, right here!

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 Credit 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

    How A Credit Score Breaks Down

    35% - Payment History

    Have you paid your bills on time?

    This is one of the most important factors in a credit score and it is the first thing most lenders want to know.

    30% - Amounts Owed

    How much of your available credit has been used?
    How many of your accounts have balances?

    When a high percentage of your available credit has been used, meaning the balance is still outstanding; it can trigger an indication that you are overextended. To a lender this may indicate you are more likely to make late or missed payments. A large number of accounts with outstanding balances can indicate a higher risk of overextension

    15% - Length of Credit History

    How old are your credit accounts?

    How long your credit accounts have been in existence and how long since you used certain accounts are factors that go into determining this metric.

    10% - Types of Credit

    What types of credit do you have?

    The combination and type of credit makes up this portion of your credit score. For example:

    • Credit Cards
    • Store Charge Cards
    • Installment Loans
    • Mortgages

    10% - New Credit

    How many new accounts do you have?
    How many recent credit report inquires do you have?

    Research indicates that opening several new credit accounts in a short period of time indicates greater risk. This is especially true for those with a short credit history.

    Would you like to improve your credit score?

    Do any of the following sound like you?

    • I'm trying to bounce back from past payment problems.
    • I want to increase my credit score by reducing the amount I owe.
    • My credit score is lower because I move debt around instead of paying it off.

    These are real concerns that affect your credit score. We have a solution called Zilch Standard that will help you get back on track and improve your credit score. It works like this:

    • You enter your debts (credit cards, car payments, and loans)
    • You simply push a button
    • And create your own personalized debt management plan

    Our Zilch Standard software takes all of the details surrounding your debts; interest rates, current payments, outstanding balances, etc... and quickly and easily turns it all into a month-by-month debt elimination plan.

    Not only will increase your credit score by systematically paying down your debt, you will save a lot of money in unpaid interest charges.

    Tell a Friend  Why ZilchWorks

    If you can fill out a check, you can use our software. It really is that simple.

    See all the reasons why ZilchWorks

    Tell a Friend  Our Products

    Our customers pay 50-60% less in interest penalties and get out of debt 55-65% faster!

    Zilch Standard
    Easy to use software gets out of debt in half the time and save loads of money in finance charges.
    Debt Manager Pro
    Spend more time with your clients and less time on creating their reports.
    Credit Card Math
    Chock full of financial information that helps you avoid the pitfalls of credit card debt.

    ZilchWorks helps people get out of debt. We have been teaching the payment snowball method for elliminating debt since 1990. Our most popular product, Credit Card Math™, is chock full of timeless, financial information. Credit Card Math™ first appeared in 1994 and continues to receive thousands of downloads from all over the world. Our Zilch Standard™ product is an easy to use, low cost solution that creates do-it-yourself debt management plans. Zilch Standard™ takes advantage of trade secrets used by many expert financial counselors. Our customers get out of debt 55% - 65% faster. ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.

    Copyright 2017 by ZilchWorks, All Rights Reserved