Tackle Debt and Protect Your Credit

Pay down and track any debt while protecting your credit – automatically.

ReadyForZero web app and mobile app

Get Your Free ReadyForZero Plan

Take back control with a free plan. Get a 360-degree view and make smarter financial decisions. ReadyForZero‘s award-winning online and mobile planning tool is free forever.

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Free Visualize Progress

Link all your accounts (student loans, credit cards, mortgages), make a personalized payoff plan, and track your progress.

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Free Track Your Credit Score – Free

Get and track your credit score while you tackle your debt. Receive personalized recommendations and see your credit score change over time.

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Free Reminders and Notifications

Actively track account changes, payment due dates, money savings and a lot more.

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Free Mobile Support

Receive alerts and access your finances and track progress anytime, on-the-go.