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.


Determine your estimated credit score!

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.

Your Credit Score:

(Submit answers for your 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

    Information You Can Use:

    Did you know you are entitled to a free credit report?

    That's right. The Fair Credit Reporting Act also known as FCRA, ensures that you can receive one free credit report every year. However, you need to be careful where you go and how you get your free credit reports. There are a lot of scams and fake websites out there. Before you rush off and get a free credit report check with the U.S. Federal Government's free credit report webpage.

    What is the difference between a credit score and a credit report?

    Credit Score: Your credit score is a number, assigned to you, based on your creditworithiness. In other words, it tells a potential lender, how well you pay your bills, and how much of a financial risk you might be. Keep in mind, the credit score calculation we provide is only an estimate.

    Credit Report: Your credit report provides detailed information about your actual credit history. It will most likely show every creditor to which you owe money. This includes credit card companies, banks, automobile dealers, and department stores. In addition to your payment history it will also show your maximum credit limits, date of last activity, and date you opened your account.

    From Our Customers  From Our Customers

    I build custom countertops for a living. I used 17 credit cards to open my business. I'm very excited to get to work paying off my debt. Thank you very much.

    Fernando Albuquerque Jr.
    Toms River, NJ

    More... »

    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 helps you get out of debt fast and save money.
    Debt Manager Pro™ Spend more time with your clients and less time on creating their reports.
    Credit Card Math™ Free program chock full of information that helps you understand the pitfalls of credit card debt.

    money back gurantee  Money Back Guarantee

    We offer an unconditional, 30-day, money-back guarantee on every product purchased. If, for any reason, you are not satisfied with your purchase, simply notify us within 30 days of the purchase date to receive a full refund.

    Tell a Friend  Why ZilchWorks

    Our software does one thing, and does it very well. We help you get out of 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.

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