GET OUT OF DEBT TODAY!

Credit Card Math goes behind the scenes and reveals insider secrets about credit cards. Learn how to get out of debt, save money, and beat credit card issuers at their own game.

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

    ❝I want to give a 5 star endorsement of Mike Riley and his software program❞

    I want to give a 5 star endorsement of Mike Riley and his software program 'ZilchWorks'. I have known Mike for many years and I have found that in all of our transactions he has been highly ethical and extremely intelligent. I purchased the software program 'Zilch' many years ago and it has been a solid program and does an excellent job in presently the most intelligent plan anyone has ever devised for paying off credit card debt.

    And I know that Mike got his experience in developing his program from volunteering and helping people. That's one of the reasons his program is so affordable. I give Mike an unqualified endorsement as being highly ethical, intelligent and concerned for the welfare of others.

    I'm a bankruptcy attorney and have been in practice for over 27 years and there are very few people to whom I have ever given a 5 star rating and Mike is one of them. And in order to allow you to verify this '5 Star Rating', I'm providing my contact information as follows:

    Dave Falvey, Esq.
    258 Route 12
    Groton, CT 06340
    Tele (860) 449-1510
    Email: dave@actionadvocacy.com

    Dave Falvey, Esq. - Groton, Connecticut

    I have been using your software with great success. It has really opened my clients eyes to the savings they can reap when they follow the payoff plan. They all say it is so easy to do.

    Beverly Taylor, LOL Financial Services - Plantersville, Texas
    See all testimonials

    Why ZilchWorks

    We offer you a simple and effective alternative to bankruptcy.