ReadyForZero is a San Francisco-based startup that provides online, personal financial management tools for paying off debt. The company was founded in Summer 2010, and became available to the public in early 2011. In a 2013 study conducted with the help of a Top 5 US bank, ReadyForZero users were shown to be 20% less likely to be delinquent on debt payments than the studys control group. In March 2015, ReadyForZero was acquired by Avant. Effective November 12, 2016, Avant will shut down ReadyForZeros credit score and debt planner tools. All user accounts will be deactivated and users will no longer be able to log in. As of this date Avant has not commented on the reason for shutting down the ReadyForZero platform.