Quizzle Review: Free Equifax Credit Score and Credit Report

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Quizzle logoQuizzle.com is a website that offers a free credit score and your official Equifax credit report every six months. You can now monitor your credit scores from all three credit bureaus for free. It has been six months for me, so I just grabbed my 2nd credit report of 2014 and took the opportunity to provide a brief review of this service.

(Fun fact: Quizzle part of the Quicken Loans family and owned by Dan Gilbert, owner of the Cleveland Cavaliers and soon-to-be employer of Lebron James.)

Here are some website screenshots:



Your free Equifax report lists all your credit lines including credit cards and other loans, recent credit inquiries, public records, and other personal information. This is the same report that you would get if you bought one from Equifax directly or got your free government-mandated one from AnnualCreditReport.com. Get your timing right and that is three free Equifax credit reports a year.

Your free Equifax credit score is specifically the newest VantageScore 3.0 which was unveiled in 2013 and has the same scale as FICO 300-850. A little background – VantageScore was actually created directly by the three major bureaus (Equifax, Experian, and TransUnion) to compete with the best-known FICO score from Fair Isaac Corporation. I don’t think they’ve overcome FICO, but it appears they are the 2nd-most widely used score out there and supported by some big bucks. Unlike some FAKO scores, it is actually used by lenders in their loan decisions. However, the numerical value will probably not map directly to your FICO score. From the Quizzle site:

Quizzle features the VantageScore credit score. The VantageScore credit score is used by thousands of lenders, including the nation’s largest banks, in their credit card, auto lending and mortgage businesses.

Some additional details:

  • Yes, it is really free. No purchase or credit card required. No trial subscriptions either.
  • There is no effect on your credit score because you are checking your own credit. It is a soft pull, not a hard pull.
  • You will see advertising of various financing offers based on your information (mortgage, auto loans, credit cards, personal loans). As part of Quicken Loans, so they will likely pitch you for a mortgage. However, they state that they don’t sell your information to others.
  • Free 24/7 credit monitoring of my Experian account was also offered to me. I am not sure if this was targeted only to select users as I had to opt in, but it was clearly marked as free. I just signed up for this so I haven’t gotten a chance to see how it works.
  • Paid upgrade options. Quizzle Pro gets you monthly Equifax credit reports and scores for $8-$11 a month. The pricing appears to be customized for each user. Quizzle Pro+ gets you all that plus $1,000,000 in Identity Theft Protection and 24/7 Victim Assistance for around $18 a month. I did not purchase either option.
  • The site states you can get a free report and score every 6 months (180 days), but I was able to get mine after just 168 days (I didn’t try every day, I just remembered today and it worked… shrug). I checked on January 27, 2014 and again on July 13, 2014. It would be more competitive with other sites if they could start offering score updates every month and keep the reports every 6 months.
  • Prior to early 2014, Quizzle used to give out Experian-based credit scores twice a year, but Credit Sesame already gave Experian-based scores for free every month so it wasn’t very appealing. The change to Equifax was a welcome one.

In summary, I am glad this service exists and I don’t mind being pitched a mortgage loan consultation every six months in exchange for a free official Equifax credit report and credit score. It is another step closer to gaining better access to what I consider our personal information. Credit Sesame and Credit Karma are similar services that use the other two major consumer credit databases:

  • Quizzle = Equifax (updated every 6 months)
  • Credit Sesame = Experian (updated monthly)
  • Credit Karma = TransUnion (updated every 7 days)
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  1. As a recent victim of ID theft – I am glad these exist. I was lucky and found out very quickly about my id theft and my credit is now frozen, but most don’t and these services should help.

    You have the links there for credit sesame and credit karma – are these essentially similar services to Quizzle? Do you have accounts with all 3?

    Thanks for the post.

    • That’s a good point, and why I have credit monitoring set up with all three credit bureaus through these services as well.

      Yes, Credit Sesame and Credit Karma are essentially the same services but for the other two major credit bureaus. I should have clarified.

      Yes, I have accounts with all three and have free credit monitoring set up with all three.

  2. Awesome, I gave Quizzle a try! Any thoughts if it’s worth disputing with Equifax if the report shows the wrong middle initial for me? (I can see how it was an obvious typo, where one letter looks like another.)

    • I don’t really have any advice, but half the time I don’t even enter my middle initial on credit card applications and it doesn’t seem to make any difference.

    • Hi Kenneth, that’s a great question! I would suggest filing a dispute, although it may not have an impact on you right now, down the line having the wrong middle name or initial on your credit report could come back to hurt you. With a Quizzle account you have the ability to file a dispute right in your account. If you have any specific questions about filing a dispute feel free to email us at feedback@quizzle.com.

  3. I just signed up and I have to say that I like the interface. The timeline feature is really neat! It reminded me that I have a couple credit card accounts that I have not used for almost a decade..

    I was not offer the free monitoring, so Jonathan you were right it’s only available for selected group. If I want 24/7 monitoring I will have to upgrade to the Pro account.

  4. Looks like Quizzle does send you a reminder to update your credit scores for free on Day 169 since the last time you did it. Works for me!

  5. Melissa Davis says

    I am wanting to delete my account and do not want monthly charges taken out from my debit card but there’s no contact information for quizzle ir quizzlepro. No phone number and no email address.

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