It’s always a shame when a few bad apples spoil the bunch. Unfortunately, that appears to be the case in the world of “free” credit reports and “free” credit scores.
On Quizzle’s Yahoo! Answers Knowledge Partner profile, I answer questions about credit and personal finance, and I can’t tell you how many times I’ve come across the question, “Where can I go to get a REALLY free credit report?” Or “Where can I get a free credit report without a credit card?”
What’s interesting are the answers definitively claiming, “There’s no place to get a credit score for free.” Or, “The only site that offers a really free credit report is AnnualCreditReport.com.” Or even, “All free credit score sites sell your information.” FALSE, FALSE and FALSE!
I can’t speak for other websites, but here’s the real deal on Quizzle.com:
Quizzle Provides a Totally Free Credit Report & Free Credit Score.
We give you a full and free Experian credit report and a free CE credit score. We foot the bill for these freebies because we believe that you should have access to all the most important information about, well, YOU!
What’s in it for us, you may ask? In addition to some helpful freebies we give you – credit report, credit score, home value estimator, home loan recommendations, budget planner and expert personal finance advice – we’ll also offer some important home, money and credit services to you at a low price. That’s how we make our money. However, any tools, products or services we may offer are 100 percent optional and we’ll never sell your private information.
There’s No Catch. Really & Truly. No Spam, No Unwanted Phone Calls, No Trials or Subscriptions You Don’t Want.
We’re trained to believe that if it sounds too good to be true, it probably is. But that doesn’t mean that everything that’s free has a catch attached to it.
Before my dad signed up for Quizzle, he asked me if he would get a bunch of spam in his email inbox when he registered. It’s a smart question to ask, but for goodness sake, my own father?! Look, I get it. I’m skeptical of “free” too. But I PROMISE we will not spam you. We have a few helpful email alerts we offer — like reminders when you’re eligible for your new free credit report and score (every six months) and when a new home loan program becomes available that may save you money (based on the criteria you set) — but they’re completely optional. You can turn them on or off at anytime.
As far as unwanted phone calls, we will NOT call you (unless of course, you ask us to). We don’t even ask you for your phone number when you register.
And here’s a big one: We will not sign up you up for a service you don’t want or a trial you didn’t ask for. Another thing we don’t ask you for when you sign up for Quizzle is your credit card number. After all, if it’s really free, why would we need it?
Relax, No Social Security Number Required.
When we first launched Quizzle, our users told us they were uncomfortable entering that deeply personal nine-digit number over the Internet. So we found a way to pull credit reports without asking for your SS#. We still have all the proper safeguards in place to make sure that you’re the only one who has access to your personal financial information, including Experian’s own identity verification system.
Quizzle Offers a FULL Credit Report. And Our Credit Score Is the Real Thing, Not an Estimate.
Most websites that offer a free credit report or free credit score offer one or the other. In fact, I can’t think of a single website that will give you both for free. Really and truly free, that is. Quizzle, on the other hand, gives you a full credit report to go with your free credit score.
Another misconception I’ve come across is that the credit score in Quizzle is merely an estimate. Not true! We offer a CE Credit Score, which tracks closely to leading industry scores. It’s a real credit score and it uses a formula created by CE Analytics.
So there it is. The real deal, fa’shizzle dizzle on Quizzle (yep, I went there). Everything you wanted to know about Quizzle’s free credit reports and free credit scores (and probably some stuff you didn’t). And if somehow you’re still not convinced, check out what these folks are saying about Quizzle:
- Yes, Virginia, There Is Such a Thing as a Free Credit Score
- Clark Howard Shows You How to Get Your Free Credit Score
Editor’s Note: If you would like to take a peek at your FREE credit report and FREE credit score, no catches, no trial subscriptions, no credit card required, simply go to Quizzle.com and create a free account.
You’ll get a free credit report and score every six months just for signing up. Click here to get started now.