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Get Your Free Credit Report and Score at

May 26, 2009 | Credit Reporting | 5 Comments

Ann-Marie left a comment for the Article ā€œGet Your Free Credit Score from Credit Karmaā€ to check out if you are shy about entering your Social Security Number to get your free credit score.  She stated that gives you a free Experian credit report and future scores every six months. 

As a result, I decided to check it out. The first thing I noticed is that is owned and powered by the reputable Quicken Loans.  The site is authenticated by VeriSign Trust Network.  The site also begins with https which ensures information is encrypted using SSL before transmission. So I felt was a legitimate and secure Website.

Ann-Marie is correct that you don’t have to give your Social Security Number.  While signing up, you are asked to pick from a list of past phone numbers, past cities you lived in, past employers, etc.  I assume this is how verifies that you are the right person.  However, if someone knows you very well they will be able to easily answer these questions and get your credit score. This may cause some privacy issue concerns.

Regardless, did give me free credit score from Experian, as well as a grade for my home, my budget, my mortgage and my rainy day fund.  Overall I scored 86 out 100.  See screen shot below.


Credit Report
In addition to receiving a credit score, gives you the credit report as well, highlighting open accounts, closed accounts, negative accounts, public records and credit inquiries, which in my case were mostly accurate.  I do have to find out why a collection company is listed under my negative accounts.

Home Value Report
The rating on my home value was based on comparable home sales in my neighborhood.  The four homes listed were recently sold in my neighborhood were all foreclosures which were deeply discounted compared to when I purchased my home.  According to, my home has depreciated by 6.6% on average each year since purchase and was rated a F.  Ouch!

Mortgage Report
My mortgage grade is a B (82%). Because of my home value, was unable to provide me with online mortgage recommendations.  Iā€™m certain this is where Quicken Loan would have played an important part.  However, I can adjust the numbers and recalculate or check back later to see if they have new options to offer.

Budget and Rainy Day Fund Reports also rated my budget and rainy day fund where I received a score of B and A, respectively.

Overall I like and recommend using it.  My only concern is the privacy issue where someone that has your background information can easily look up your credit report without your social security number.

To get your free report visit





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5 Comments to “Get Your Free Credit Report and Score at”

  1. Ann-Marie
    8:38 am on May 29th, 2009

    Thanks for the great review Patrick! We’re glad you like Quizzle.

    In regard to privacy, asking those questions (past phone numbers, past addresses, cars you’ve owned) is as close as we can get to verifying that you are who you say you are without asking for a Social Security number. And chances are, if someone knew the answers to our identifying questions, they would likely know your Social and could do more damage than pull a credit report. As far as the report itself goes, none of the accounts contain full account numbers. We take privacy very seriously at Quizzle. We’ve even had people find identity theft because they signed up for a Quizzle account ( sigh-a-family-member-stole-my-identity/)

    Just so you know, Quizzle will give you an updated free credit report every 6 months. Feel free to give me a shout if you have any more questions – or you can find us on Twitter at

    Thanks again!

  2. CreditCheck
    8:01 am on January 22nd, 2010

    I had never seen this site until this review. I have always seen conventional free credit check reports but they always seem to be from very suspicious looking sites. That site is gorgeous and very user friendly. Thanks for the heads up.

  3. Get an Idea of Your Credit Score with Equifax Fee Credit Score Card | Money Cake
    11:54 am on March 17th, 2010

    […] places you can get a free credit report and score is at and at […]

  4. Free Credit Report ...
    12:22 pm on February 17th, 2011

    Well, good report as i see and very useful information. And very powerful site, have PR6, so i think everybody can trust him.
    Free Credit Report … recently posted..Bad Credit Payday Loans- Auto Loans- Student Loans and moreMy Profile

  5. creditcheckreports
    2:31 pm on June 6th, 2011

    This is a smart site, creditkarma, also provides a free credit score.

    People do worry about inputting their social security number, which is fair enough, yet enter their credit card details in up to 100 on-line retailers over a year for example.

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