Review of free credit report and score

Quizzle Review

Verdict: is a fun, user-friendly website that gives you free access to the information in your Equifax credit report and your credit score as calculated by VantageScore. Since the program is entirely free (although the integrated pop-ups encouraging me to refinance my mortgage were a bit annoying!) it’s one of those credit monitoring and budgeting programs that can’t hurt and might help.

The bottom line is that it looks like you really CAN get a free Equifax credit report once every 181 days through I give this site a big thumbs-up for that. But remember that you’re not getting your FICO score, so you’ll still want to access your FICO scores from TransUnion and Equifax separately through a website like


Credit management and budgeting sites seem to be popping up faster than big bank checking account fees. This isn’t necessarily a bad thing, but you have to be careful aboWhat you get with Quibbleut the information you get from these sites.

While the information provided on my easy-to-read Equifax credit report was all accurate to my knowledge, the credit score seemed lower than what I expected given the information in my file. In addition, the value of my home was grossly overestimated based on my knowledge of the neighborhood and information posted at Zillow.

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The tips to improve my credit score offered by were basic, one-size-fits-all recommendations like “pay your bills on time.” With a 99.97 % on-time payment rate, I don’t think that’s driving my score down substantially.

Still, a free Equifax credit report every 181 days is pay dirt for credit monitoring junkies like myself, and Quizzle is a friendly site that has lots of fun-to-read and helpful content for managing your money.

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Free Credit Report & Score – Really!

Sign up for a free account with Quizzle by providing your email address. Wait for an email, then click the link to open your account. Quizzle asks for a bunch of information, but not your social security number or your phone number.

Some of the information you’ll be required to provide includes your home’s purchase price, gross annual salary, and your name and address.

Then, you’ll have to verify several multiple choice questions based on information that appears in your Equifax credit report. (Just like you have to do when you get your credit reports through

Getting to the good stuff…

once you’re signed in with your email and password, click the button to View Your Credit Report. It tells you how much time until you can view your next, updated Equifax credit report, displays your VantageScore credit score based on your Equifax credit file, and also provides a letter grade of your credit profile.

The Equifax credit report is extremely easy to read, with tabs you click to display: a summary of your credit report, open accounts (and their payment histories), closed accounts, negative accounts (any account with a late payment of 30 days or more), public records, and credit inquiries in the past two years.

Budgeting Features also provides budgeting and money management functions, similar to However, it doesn’t tie in to your checking and savings accounts, so you have to input your information manually except for your account balances on your credit cards, which is pulled from your Equifax credit report.

Again, budgeting is accomplished through user-friendly, easy-to-navigate tabs for: summary, income, living expenses, debt and equity. Based on your gross income, calculates your take-home pay before any tax deductions. You can input your deductions for a more accurate figure.

If you don’t mind inputting all the information yourself — and are, in fact, more comfortable doing that than tying one program into all your bank and credit card accounts — is probably one of the most intuitive budgeting programs I’ve seen.

Like any type of budgeting, using to full benefit takes some patience and discipline, but it can be well worth it to get a handle on your finances.

The Bottom Line


  • Free Equifax credit report (really, free!)
  • Free VantageScore credit score
  • Intuitive interface
  • Easy-to-use online budgeting program
  • No need to share your social security number or phone number
  •  Completely free program – no credit card needed to sign up
  • Great credit management content
  • Most budgeting must be done manually
  • Home value estimates may not be accurate
  • Does not provide your real FICO score used by lenders

Sign Up for Quizzle Today

Get your FREE VantageScore credit score and Equifax credit report every 6 months, with no purchase or credit card required

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