A hundred bucks in the pocket and a year of not having to worry about some bad person stealing my credit.
Send us, via Twitter or a post to our Facebook page, a picture of your household (you, the fam, dog, cat, fish, frog, ferret) in or in front of the dream home you call home. Your submission will enter you to win $100 and a year of free credit monitoring and identity protection from Quizzle!
I have been a quicken client since 2004, bought our house with their help and refinanced 3 times. I’m a quizzle user and I was going to post a self written article on my site about the benefit of becoming a quizzle subsriber.
Quizzle pulls your credit score using Experian reporting agency while other credit bureau’s may use a different reporting company. Their service is not like Credit Karma or Credit Sesame which actually provide information thats relevant. Quizzel sucks don’t listen to any of there recommendation ‘ s you will be denied flat out!
Advertiser Disclosure: This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Editorial Disclosure: This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. You may see a lot of companies in the credit management industry that love to emphasize the fact that they offer free credit scores. Recently though, new companies have sprung up that are challenging the way credit scores have been presented to the public. I’ve actually personally met a few people behind these great credit score offerings, given that these companies are right in my backyard.
If you look closely, you may also spot the upsell, which includes monthly subscriptions to a Quizzle Improvement Program that gives you concrete advice on how to improve your credit and financial picture (this is $29 a month), credit monitoring ($5 a month), ID theft protection ($15 a month) and debt management (which has a free trial but then will hit you with a monthly fee). This option won’t be handing you a free credit score, but it will offer you the next best thing, your free credit report, which is actually the basis of various credit scores anyway.
The quickest way to get an approximate credit score is by trying out a fast and simple tool that churns out some estimate of your score without requiring you to register and provide your SSN number (partial or otherwise).
Thanks for your post, actually, I like using myFico because l get to see my up to date report and score. Apart from the ones you mentioned, we can also get our score for free, at least once every 12 months, and after the latest Dodd frank amendment, banks should disclose you your credit scores if they take any adverse action on your account. So there are lots of ways to know your credit score, also I like to share my review of credit sesame to your readers. Given that security issues are a huge concern for these companies, I have no doubt they all work hard making sure that their data is safe. With regards to those companies that offer free scores without using your SSN, I believe that they many not give you as accurate a score as the others.
You will be required to give your personal data and social security number to any old site that deals with credit anyway. I don’t carry much debt (the only loan I really have is my mortgage) but this is not to say that I won’t need loans in the future. But before we get into an analysis of each service, it’s important to understand that the credit score you receive from free credit score services is not based on the FICO scoring model.
With that information in mind, let’s take a look at all three free credit monitoring services. Like Quizzle and Credit Karma, Credit Sesame provides you with free credit monitoring without the need for a credit card on file.


The credit score you’ll get through Credit Sesame is called the Experian National Equivalency Score.
In addition to offering a free credit score, Credit Sesame also offers suggestions and advice that could help you improve your score over time. Free Identity Theft Protection – When you sign up for the site, you get $50,000 in identity theft insurance and fraud resolution assistance. Mobile Apps – Credit Sesame offers a mobile app that allow you to access the same information and tools that are available on the website using your iPhone or Android mobile device. The Best Rates Available – Credit Sesame will help you find the best rates available on personal loans, investment accounts, and auto insurance policies. Credit Card Suggestions – Using information provided in your credit profile, Credit Sesame is able to suggest balance transfer and rewards offers that might benefit you. Quizzle gives you a free credit report every six months, and they don’t even require you to put a credit card on file. Unlike other sites, however, Quizzle provides provides you with a VantageScore – a credit scoring process that was developed jointly by Equifax, Experian and TransUnion, and is widely used by lenders. For example, VantageScore uses a different numeric score range, from 501 to 990, compared to 300 to 850 used by FICO. Credit Comparison – This feature helps you understand the factors that cause your credit score to change. Credit Timeline – This feature uses charts and graphs to illustrate how your credit score fluctuates over time. Score Analysis – This feature analyzes your credit score and suggests ways to improve it. Meanwhile, Quizzle Pro+ offers everything that the Pro version has in addition to public records monitoring, sex offender monitoring, lost wallet protection, and tri-bureau dispute resolution for an extra $15 per month.
Credit Karma offers a free credit monitoring service that makes it easy to access your scores and credit reports at any time.
Unlike Quizzle, Credit Karma tracks your credit using information from two of the three credit reporting agencies, TransUnion and Equifax. Keeping an eye on your credit score can be a good way to find out if you have been a victim of identity theft.
Credit Karma announced that they use Vantage score 3, score ranges from 300 to 850 as FICO. I tried to sign up for Quizzle but never received the email with the link to proceed with the sign up.
I also tried Credit Sesame and didn’t like the fact that I had to pay to get a full report.
Some of the information is automatically provided based on your credit report, which is pretty neat.
It is important to keep an eye on all possible reporting agency numbers because when applying for a loan and or mortgage etc., these companies tend to all pull from different agencies.
Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser. By becoming a member, you’ll have immediate access to your credit score, which you can check on a regular basis without cost. They will do their best to give you the best estimate of your score based on the information you provide. I happen to be one of the naive ones thinking I have great credit because I always pay my bills on time and try to maintain a goal of trying to keep my credit cards to a zero balance.
I’ve been exploring the possibility of starting a new business, and if that ever pushes through, then it’s likely that I’ll need a loan to get it going. Instead, you’ll receive a credit score based on models developed by the credit reporting agencies.


Unlike the VantageScore, the National Equivalency Score is not commonly used by lenders, though it is available to them.
VantageScore also requires a much shorter credit history than FICO, making it more likely to generate a score for people with very little credit. However, if you are trying to build your credit or want to monitor changes to your credit more closely, you may want to consider one of their paid services. In addition to a free estimated credit score, you can also sign up for free automatic credit alerts, email alerts when important changes occur, and identity theft tracking and protection. If you want all of the perks that these services offer, you can easily sign up for all three. Whether you use just one site or all three, it’s crucial that you stay on top of your score.
The score used by lenders is FICO and while others are used, the FICO score provides a better reflection of your credit score.
So it can only be beneficial for me to keep my credit score at healthy levels and to learn what I can to manage my credit well.
However, the site offers you a free credit score on a monthly basis and tools that can help you monitor your credit.
Scores offered through this method vary from 360 to 840, compared to 300 to 850 for FICO scores. Furthermore, VantageScore assigns a hierarchy to late payments while FICO treats them all the same.
The site doesn’t say which score they use, but a search of other sites suggests that they use either VantageScore or TransUnion’s New Account score. Since all three of these sites offer this important information for free, you have no excuse not to sign up for at least one of them.
I find that it’s a great way to keep an eye on things in between pulling my free annual credit reports.
If you or your readers ever have any questions or feedback, give us a shout at feedback[at]quizzle[dot]com. The benefit of these services, as you’ll see, is that they help you improve your score at no cost. You can also sign up for daily monitoring alerts that inform you of daily changes to your score or credit profile. For example, with VantageScore, a late mortgage payment will hurt you more than a late credit card payment. I had a loan officer that I work closely with do me a favor and pull my credit just like I was a prospective home buyer.
I don’t think it has any sort of credit guard feature like LifeLock, but for just monitoring your scores and accounts it totally rocks.
It is correctly put that everyone should know their own credit history and manage it prudently with an even better managed lifestyle — credit cards, mortgages, family life, etc. Just remember that you can do the checks yourself and do it free of charge without credit score penalty. What you do now with your credit will affect you tomorrow so it’s best to make sure you are doing the right thing. I refied my house a while back and both lenders that pulled my scores came up 10-15 points higher than TrueCredit. Note that the credit score you receive here is based from data from the TransUnion credit bureau.



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