Quizzle Review – Free Credit Score Company Reviews
Quizzle is a very popular website launched in 2008 and is owned by Quicken Loans. They are legit and have some great features. The site is powered by Experian data which is huge. When they pull your credit report, it’s considered a “soft inquiry,” which means it will not hurt your score.
A couple of the nice features are:
- They offer 1 free credit report every 6 months.
- They do not require a credit card to sign up which is nice.
- However, they will require your social security number.
The biggest thing you should understand is that they do NOT provide you with a true FICO score. Instead Quizzle offers their own scoring system, which is for educational purposes only. This score is not actually used by lenders or creditors. But it is pretty close and give you a pretty good idea of what you need to work on.
I signed up at Quizzle. I believe it pulls the data from EX but I don’t think its a real EX score. I guess it could have some value as far as watching your EX reports though. I pay TU and EQ to watch my reports with them, so for $5 that would be useful.
I did the whole quizzle thing (quicken loans) and it gave me a 617. When a lender pulled my FICO score she said it was at a 565. Why the big difference?
The score you get from Quizzle is not a FICO score. It’s what we call a FAKO (or non-FICO). The lender has access to all true FICO scores. The free portion is that you can pull your Experian report and FAKO twice each year. You can pull extra Experian reports at $7 each. As an upgrade, you can subscribe to their monitoring service starting at $15/mo called “Level One”. Then you can pull a new report and score monthly and it provides monitoring of your EX report. The FAKO score offered is called a “CE Score” and developed by CE Analytics.