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scores more consistent with the scores most lenders are likely to use.
On Wednesday, for example, Quizzle.com—which is owned by Rock Holdings
Inc. and is in the same family of companies as mortgage lender Quicken
Loans—replaced the Experian score it had previously offered. The new
score is still based on users’ Experian credit files, but is designed
to more closely track FICO scores, which range from 300 to 850, the
higher the better.
The free sites also offered some helpful tips on how to improve our
credit. To keep our overall debt usage low, for example, Credit.com
warned us not to close any of our credit-card accounts, since that
could cause our "utilization rate"—the amount of available credit that
we’re using—to go up and our credit score to go down.
Instead, it advised us to cut up the cards to prevent them from
being used fraudulently. Quizzle.com also launched on Wednesday a
fee-based service ($75 for four months) that gives users personalized,
specific advice on what they can do to improve their scores.
None of the free sites share or sell your personal information with
other third parties, although they do aggregate users’ demographic data
to help other people see how their credit compares to others.
Pitching Products
There is some product pitching on the new
Web sites. Given its ties to the mortgage-lending industry,
Quizzle.com’s advice seemed more tilted toward mortgage-related
solutions. The site recommended that we consolidate revolving
credit-card debt into a mortgage as a way to improve our credit score.
CreditKarma.com pitched us various offers based on our credit
profile, while Credit.com offered us the chance to buy our credit
report and credit-monitoring services from its TransUnion partner.
We still aren’t convinced these sites are an adequate substitute for
getting your own credit report. The actual reports from
AnnualCreditReport.com provided many more specifics about our payment
history, previous employers and addresses. They also included account
numbers—making it easier in some cases to track down certain
accounts—and showed us which lenders had recently inquired about our
credit.
Write to Jane J. Kim at jane.kim@wsj.com
| COMPANY |
UPSIDE |
DOWNSIDE |
COMMENT |
| AnnualCreditReport.com |
The procedure for getting the free credit reports online was relatively quick and easy. |
You have to pay separately to get your credit scores. |
Detailed online reports included account-balance history and a look at who’s recently inquired about your credit. |
| Credit.com |
Its Credit Report Card provides a quick, easy-to-digest summary of your credit. |
Currently provides estimated score ranges instead of an exact score. |
You can see how you’re likely to score across five major credit-scoring models. |
| CreditKarma.com |
You can get updates on your credit score daily. |
Includes more advertising and product pitches than other sites. |
Keeps track of your past scores so you can monitor your progress. |
| Quizzle.com |
You can get a free credit report from Experian in addition to your credit score. |
You can get updated scores and reports only twice a year. |
You can dispute any errors on your Experian credit report directly on the Web site. |
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