Debt Sucks!

Being in debt and ignoring a solution that is right in front of your face sucks more.

When you are ready to get out of debt remember ZilchWorks. It has worked for thousands of people since 1991, and it will work for you! (zilchworks.com)

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

    Your program is great! I currently have eight loans out. If I just kept paying off my loans with the minimum payments, it would have taken me over nine and one-half years to pay them off.

    By using your program, I will completely payoff all eight loans in three years and one month. I will save over $4,700 in interest payments!

    Alex S. - California
    See all testimonials

    Why ZilchWorks

    We believe that being in debt sucks and we want to help you get out of debt as fast as possible.