A CE (community empower) credit score is a free score that used to be provided by Quizzle.com (they now use VantageScore) through their partnership with CE analytics. It was the first completely free (e.g no trial of a credit monitoring service neccessary) score on the market. It was created by Ed DeShields who is the current president of CE Analytics. Scores are calculated on data found in an individuals Experian credit report and fall between 350 and 850, the higher the score the more “worthy” an individual is of credit (e.g they are more likely to pay their debts back and on time). CE scores are usually on the lower side than other scores, with a score of 720+ being considered “excellent”.
CE Credit Score Range
|Minimum Score||Maximum Score|
If you’re familiar with other credit scores, such as the FICO score this range should look familiar. It’s important to note that these aren’t the same scores, which will be clear when we look at the break down below.
CE Score Breakdown
A CE score is broken down into the following eight categories:
- Utilization (30%)
- Payment history (20%)
- Cash Flow (15%)
- Balances (10%)
- Types of Credit (10%)
- Available Credit (5%)
- Length of Credit History (5%)
- New Credit (5%)
It’s no longer possible to access your CE credit score and it’s not used by lenders, it used to be offer by Quizzle which was why it was somewhat important. You can still use Quizzle to find out your VantageScore AND get two additional full experian Credit reports on sign up.