Frequently Asked Questions

We're here to help!

Check out the questions and answers below. If you don't see what you're looking for, please feel free to email us at

The Most Popular Question Ever

Will I be charged for having a Quizzle account?

No way! Having a Quizzle account is and will always be 100 percent FREE! We're here to help you understand and improve your home, money and credit. That's why we offer tools that give you insight into your personal financial situation - the most popular being a free TransUnion® credit report and free VantageScore® credit score. No catches, no trial subscriptions, no credit card needed.

The only time we'll ever accept your credit card is when you'd like to add a little something extra. For example, we give you four free credit reports each year, but you may want to utilize your credit report more often. If that's the case, you can sign up for monthly credit reports.

General Questions

What kind of web browser do I need to use Quizzle?

You can access Quizzle wherever you have an Internet connection. To take full advantage of the experience, you'll need to use a web browser that has been given an "A" grade by Yahoo. Click here for more information on supported browsers.

Is my information safe and secure?

Absolutely! We take your personal financial information seriously at Quizzle. We use all the industry-leading security measures to make sure your personal data is safe including firewalls, encryption and Secure Sockets Layering (SSL). Not sure what that means? Check out our Security & Privacy policy.

Can I add my spouse's information to my account?

Today, there is no way in Quizzle to combine your information with your spouse's information. Your spouse will need to set up his/her own account in order to pull their free credit report and score.

My spouse and I share an email address. Can we both use this address to create a Quizzle account?

Because we use your email address as your username, each person who signs up for Quizzle must have their own email address. If other members of your household would also like to use Quizzle, create a new email address with a service that offers a simple sign up, such as Gmail or Yahoo! Mail, and use that address for the second Quizzle account.

How do I update my billing information?

If you've recently moved or your credit card has expired, you need to update your billing information. To do this, sign in to your Quizzle account and click the My Account tab (you can find this under your name in the top right corner), and then click on Billing Information.

How do I delete my Quizzle account?

What's not to love? Quizzle is a totally FREE tool – no trial subscriptions or monthly fees – where you can get a free credit report and score every three months AND manage your home, money and credit. It's completely secure and we don't sell your information or SPAM you. We hate to see you go, but if you still want to delete your Quizzle account, you can email us at and we'll take care of it.

Quizzle Plan Questions

Why are there multiple charges for my plan showing up on my credit card statement?

Upon submitting your billing information for your Quizzle plan, depending on your card issuer, you may see a $0.01 initial transaction posted to your account. This is a requirement of your card issuer as an authorization check and will be reversed and voided once the check is complete. It is possible you may not notice it on your statement at all, or you may see it for 2-3 days as a pending transaction. If you have any questions regarding this charge, please contact your credit card issuer.

How can I change my plan?

You can change your Quizzle plan at any time.
Visit our plans page to upgrade or downgrade your subscription.

What are some benefits to managing my credit?

When you apply for a credit card, car loan or mortgage, your credit score greatly affects the amount lenders will allow you to borrow. This includes the terms they offer and the interest rates you can get. Seemingly, small differences in your credit score can make a huge difference in your monthly loan payments.

Will pulling a new credit report each month damage my credit?

Pulling your credit in Quizzle is considered a soft inquiry and will not affect your score.

If I'm enrolled in a plan can I still get my free credit report?

Yes, you will still get a free credit report from Quizzle every three months.

What is the refund policy if my transaction fails?

You will be fully refunded if your transaction fails. In some cases, your bank may leave the charge in "pending" status for a day or two before it's removed, but the actual charge will not go through. If you have any concerns, just email us at and we'll confirm the refund for you.

Credit Report & Credit Score Questions

Is my free credit report in Quizzle a real credit report?

Yes! Quizzle gives you a full TransUnion® credit report.

What's in my credit report?

Your credit report is a snapshot of your credit history. It contains information about your loans and credit cards as well as when you opened your accounts, credit limits, current balances and your minimum (required) monthly payments. It also includes information about the status of each account. For example, if your accounts are current or if you made a payment 30, 60, or 90 days late.

Your credit report does not include information about your bank accounts (checking, savings or investment).

What's a credit score?

Your credit score is determined by the information in your credit file. It attempts to give creditors and lenders an idea of how financially responsible you are. There are several different scoring formulas. Each formula is different, but all are based on five main things:

  1. Payment History: Whether or not you pay your bills on time
  2. Amounts Owed: How much you owe compared to how much credit is available to you
  3. Length of Credit History: The amount of time you've had your loans and credit cards
  4. New Credit: New accounts you've opened recently
  5. Types of Credit in Use: The variety of accounts you have open - including credit cards, retail credit cards, installment loans, student loans, and home loans

What kind of credit score does Quizzle offer?

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.

I checked my credit score somewhere else and it was different. Why?

There are several credit scores available and each has its own formula to determine your credit worthiness. No one score is better than the other, just different (usually by a small degree).

If you checked your score elsewhere and it was different than your free credit score in Quizzle, the other score may be using different criteria to assess your credit, or it may be based on a credit report from another credit bureau. Often times, there are discrepancies between credit scores because the scales are different. The difference in scores may also be due to variations in a credit score based on your financial activity and how quickly your creditors and lenders report such activity.

Is your score the exact same one that lenders use?

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.

What should I do if I find inaccurate information on my free credit report?

Dispute it. Quizzle lets you electronically dispute inaccuracies on your credit report. All you have to do is go to your credit report, click on Dispute this Information with TransUnion® and fill out the form.

How often can I get a free credit report and free credit score from Quizzle?

We'll give you a new free credit report and free credit score every three months. And if you'd like, we'll even send you an email when you're eligible for your new freebies.

How often does my credit score change?

Your credit score, in general, will change every 30 days because that's typically how often creditors report to the bureaus. You may see slight changes in between, but the most substantial changes will take place once a month.

How can I change my plan in Quizzle?

You can change your Quizzle plan at any time.
Visit our plans page to upgrade or downgrade your subscription.

Home Loan Questions

How does Quizzle come up with my home loan recommendations?

We use top technology from our partner Quicken Loans to come up with the home loan recommendations that are best for you. Your personalized mortgage recommendations are based on information including your income, debt, home value estimate and the number of years you plan to be in your home.

How does Quizzle determine how much equity I have in my home?

The amount of available equity you have in your home is simply the current value of your home minus the loan balance(s) of your home loans.

Why am I having trouble getting home loan recommendations from Quizzle?

If you don't see a home loan recommendation, please:

  1. Take a minute to verify your account information. Inaccurate information may prevent us from providing you with a home loan recommendation.
  2. Check your credit report for errors. If errors exist on your report, dispute them. Inaccurate information may prevent us from providing you with a home loan recommendation.

Identity Theft Protection Questions

What do I get when I sign up for Identity Theft Protection in Quizzle?

If your identity is stolen, you'll also have access to victim assistance services including a special hotline and a $1 million guarantee that covers costs, lost wages, legal defense fees and expenses, and electronic fund transfer reimbursements.

What is included in the $1 million restoration services?

The $1 million guarantee covers costs, lost wages, legal defense fees and expenses, and electronic fund transfer reimbursements.

How can I change my Quizzle plan?

You can change your Quizzle plan at any time.
Visit our plans page to upgrade or downgrade your subscription.

My Money

What is a Debt-to-Income ratio?

Your debt-to-income (DTI) ratio is how much debt you have compared to how much money you earn. To be exact, your DTI is calculated by dividing your total minimum monthly debt payments (the total amount you're required to pay) by your total monthly gross income, then multiplying it by 100 to get a percentage. DTI does not include living expenses; it only includes debt listed on your credit report.

Where did Quizzle get my debt information?

We used information from your credit report to fill in the debt portion of My Money.

Why was six months chosen as the ideal rainy day fund timeframe?

A rainy day fund is important in the event you lose your job. In a normal economic climate, it takes about six months on average to find a new job, according to the Bureau of Labor Statistics. As such, we've set your goal to be six months net income. That way, if you're caught in a downpour, you'll have enough to get by without too much hardship.