FREE CREDIT SCORE CALCULATOR
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)
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
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.
Our customers pay 50-60% less in interest penalties and get out of debt 55-65% faster!
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.