Report: #1037213

Complaint Review: Quizzle

  • Submitted: Fri, March 22, 2013
  • Updated: Fri, March 22, 2013
  • Reported By: Robert — State College Pennsylvania
  • Quizzle

    United States of America

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I signed up for Quizzle to get a free credit report over six months ago. When I first signed up they reported my score as 660 Six months later they reported it a 650. A few weeks later I had my credit checked to co-sign on an apartment lease. My score, direct from the credit agency was 775! It turns out that when Quizzle says they are giving you your Experian score, they don't give it to you directly, they first process it into what they call their CE score, which in my case was drastically lower than my real score. Nobody who checks your credit uses Quizzle's CE score, they use one from the big three. Quizzle gives you a low score to get you to buy their service so that you score goes up the more you pay them. They report a low score so that they can raise it to the real score without doing anything! Don't trust their score!
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This report was posted on Ripoff Report on 03/22/2013 06:07 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Credit score differences

AUTHOR: Edward - ()

It is not uncommon to see differences in your credit score between various scoring models.  In your case you suggest the CE Score, by CE Analytics is wrong but you say you used a tenant screening service which showed your score much higher  It should be noted that tenant screening scores measure you on a different set of critieria which more heavily examines your likelihood of defaulting on your rental agreement.  

So this is an apples to oranges comparison and is often misunderstood by consumers.   I know this because I am the chief scientist and inventor of the CE Score by CE Analytics, Inc., which is the score used by and many other sites and lenders.  

When you select a score model you should choose one that best reflects you need at that time.  There are millions of posts on the interent calling various score fakes and imitations and all kinds of names.  But, that's like calling a Chevrolet a fake just because you chose a Ford.  It was your choice of score model, and its use, that is mis-used.  

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#2 Consumer Comment

Incorrect Statement

AUTHOR: Robert - ()

Your credit score from them was correct per their scoring method. 

Do you know that there are a few dozen different "credit scoring algorithms"?

The two biggest are FICO and Vantage, as these probably cover close to 90%(give or take) of the market for companies to check when obtaining credit scores.  But guess what there are even several scores within those that focus on different items.  They have customized scores for Auto Finance Companies, Mortgage Companies, Landlords.  The one you see is basically the "Consumer" version which is the most general.   So comparing the credit score from one company(or even type of score) is like comparing Apples and Oranges. 

Have you figured out what is the common thread between all of these?

All of the scores are calculated from your Credit Report.  This is why the most important thing to do is make sure your report is correct.  If your reports are not correct, there is no way your score will be.  There is even another factor that you seem to have failed to realize.  There is not just one but three main credit reporting agencies. Experian is just one of them, the two others are Equifax and TransUnion.    Since your credit report can be different with each of these can your score..even if they are using the same scoring method.

So if you really want to get a handle on your credit and monitor your score, it is best to stick with one score, and follow that score.  Don't keep trying to change because you will never get a true idea of the trend of your credit.
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