Quizzle Credit Personal Trainer Review | CreditShout

Quizzle Credit Personal Trainer Review

By Dawn Allcot / February 11, 2011
Quizzle Credit Personal Trainer Review


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If there’s room for significant improvement with your credit score, and you intend to apply for new credit cards, a loan or mortgage, this one-month service available for $35 at Quizzle.com can pay off with hundreds of dollars in savings if you take the actions recommended.

Even if your score only needs a little bit of improvement, (when you get a free Quizzle membership, Quizzle reveals how much room you have for improvement) you may find out some fascinating facts about the actions you can take.

Is it worth the money? If you’re going for a major loan, where even 20 points or less on your credit score could mean the difference of thousands of dollars, absolutely! It really is like having a personal financial advisor on your desktop or in your pocket!

Of course, the standard disclaimer: Quizzle reports your VantageScore, not your FICO score.


We recently talked about how a credit simulator can help you raise your credit score. Quizzle.com, a free budgeting and credit management website, takes it to the next level with their Credit Personal Trainer, an “Action Plan” to raise your credit score over 30 days. This is not a credit simulator, but more like a computerized financial advisor to guide you through the best steps to improve your credit.

In a short video introducing the service, the people at Quizzle liken the Credit Personal Trainer to a physical fitness trainer. The trainer can make suggestions for what you should do, but it’s up to you to take action.

Quizzle.com gives you all the tools you need, including a personal budget tracker, your Experian credit report and PLUS credit score, and the specific action steps you need to take to raise your credit score.

How this Program Works:

Once you pay $35 and sign up for the Personal Trainer, you’ll get a new Equifax credit report and VantageScore credit score. Then, you’ll be prompted to update your budget.

The program draws off the information in your personal budget in order to create an action plan you can stick with. By evaluating your budget and your credit report, your personal trainer determines action you need to take each month, such as paying bills on time.

The Personal Trainer shows you a copy of your credit report with “Action Plan” items. You should complete these items first each month.

For instance, the media demo we viewed free at the website showed the hypothetical person’s credit score at 588, with potential to improve their score by 58 points.

Some of the action items included:

  • “Pay past-due loan” (for an improvement of 21 points)
  • “Pay down non-collection credit accounts” (11-point improvement)
  • “Pay off collections” (21-point improvement)

If you’re working on a limited budget, the action plan will show you how to allocate funds by showing you exactly how much of a difference specific actions will make on your score. Of course, it’s common sense to pay off past-due accounts before paying down balances that aren’t due yet. But in the case of a past-due loan v. accounts in collections, the answer may not be as clear cut.

In fact, I was surprised to learn from viewing the demo that paying off an account in collections, which is also marked as “past due” on your credit report, earns the borrower points on their credit score in two ways.

As Quizzle’s Director of Marketing Catherine Buzzitta explained, “There are hundreds of factors that credit scoring systems use to calculate your score. ‘Collection accounts’ and ‘past due accounts’ are two of those factors when considering your score… So, past due accounts also in collections, when paid, will provide additional point recoveries.”

Quizzle Gets Personal

In addition to giving me access to the demo, Quizzle was also kind enough to extend a 30-day subscription so I could view my own, personalized Credit Action Plan. Again, I learned something interesting!

For several months I’ve been beating myself up over one 30-day past due payment on a credit card two months ago. It turns out that late payment has impacted my credit score by only 6 points, and will disappear in 4 months.

What’s really keeping me out of that 720 + range? My debt utilization ratio. But that’s not as bad as I thought either. One payment of less than $1000 to one credit card can raise my credit score by 11 points! With this information, I’m certain I’ll see 750 + by the end of this year, and I intend to get a new Credit Personal Trainer subscription from Quizzle in another six months or so to track my progress.

This isn’t just a fun tool — it provides valuable, customized knowledge about your credit rating that can save you money.


    • Gives an easy-to-follow plan to raise your credit score, legally, in just 30 days
    • Get a new credit report and credit score at the end of 30 days to track your progress
    • Reminders and email “pep talks” to keep you motivated (just like a personal trainer!) throughout the 30 days
    • Provides little-known facts and knowledge to help you raise your credit score
    • Uses your actual credit score, credit report and your budget to determine the action you need to take to raise your score


    • Cannot point out incorrect information in your credit report, which often lowers a credit score substantially
    • $35 fee
    • Evaluates your Experian PLUS credit score, not your FICO score

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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