COSTA MESA, Calif., Oct. 16, 2013 /PRNewswire/ -- Experian ® today announced that ReadyForZero, a leading provider of financial tools that help consumers manage debt, track their credit and build wealth, is expanding its online consumer offering to include the VantageScore ® 3.0 credit score. With the addition of the credit scoring capability, ReadyForZero users now have a 360-degree view of their credit based on combined consumer data collected from credit accounts, collections, public records and credit inquiries. "With the introduction of Experian credit data and VantageScore 3.0, our customers can now manage their debt and credit all from a single interface," said Rod Ebrahimi, CEO of ReadyForZero. "No other service allows customers to track and take action in this way. Partnering with Experian reaffirms our commitment to becoming the most trusted provider of financial tools for avoiding challenging financial situations and building wealth automatically." A recent study conducted in part by a top U.S.-based bank concluded that ReadyForZero users were 20 percent less likely to be delinquent than nonusers in a control group. "We are pleased to improve upon ReadyForZero's award-winning financial tools that have helped Americans pay down more than $100 million in debt," said Lloyd Parker, group president of Experian Credit Services. "In today's dynamic economic environment, having clear and accurate visibility into one's credit history is critical to increasing their purchasing power. The VantageScore model's easy-to-understand explanation of a consumer's credit rating and the factors that contribute to it make it a natural extension of ReadyForZero's unique online consumer debt management offering." Consumers have acknowledged the value of receiving their VantageScore credit score as part of the ReadyForZero platform to give them additional insight into how managing their debt can have an impact on their credit score.