“Name: ReadyForZero

Quick Pitch: ReadyForZero is a free online financial tool that lets you track credit card debt, explore options, and make and follow a plan to eliminate it.

Genius Idea: Public, anonymous snapshots that help issuers verify users’ credit card balances.

ReadyForZero co-founder and CEO Rod Ebrahimi had a light bulb moment when his girlfriend, who recently earned a doctorate and racked up $24,000 in debt, turned to him for help with paying down her credit card debt. At the time, the couple used a makeshift solution — just your run-of-the-mill spreadsheet — but Ebrahimi realized that her challenge was a universal one.”

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