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

    The Get Out of Debt Flowchart

    Tell a Friend  Why ZilchWorks

    We’ve been helping people just like you get out of debt since 1990. Our methods are successful and have been time-tested.

    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.

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