Quizzle Switches To TransUnion From Equifax Without Informing Users

Quizzle is a free credit monitoring site that gives you a free credit score (VantageScore version three) and also informs of you any major changes to your credit (e.g new application or late payment). When they originally launched they offered this information based on your Experian credit report, in 2014 they changed to Equifax and notified users by e-mail of this change.

They are now using data based on your TransUnion credit report, but failed to let users know about this change (and there is no mention of it in any press releases or on their blog). There are a lot of other free credit monitoring sites, such as:

• Credit Karma – provides information based on your on Equifax & TransUnion credit report
• Credit.com – provides information based on your Experian credit report
• Credit Sesame – provides information based on your on TransUnion credit report
• WisePiggy – provides information based on your on TransUnion credit report
• Mint – provides information based on your on Equifax credit report
• WalletHub – provides information based on your on TransUnion credit report

As you can see, the majority of these sites provide information based on your TransUnion report, this is because TransUnion is the cheapest provider of this information. It’s also probably why Quizzle didn’t announce this change, they know it’s largely seen as a negative (as it’s so easily to get the same information from other credit monitoring sites). As we’ve said before, I think the best combination of these sites is Credit Karma & Credit.com, as then you have all three nationwide consumer reporting agencies covered.

It’s also worth keeping in mind that most credit card issuers now provide you with a free FICO score, FICO scores are used in 90% of lending decisions so it’s usually a better indication of your overall credit health than a VantageScore.

On the bright side, Quizzle will now update your score quarterly rather than only twice a year. Still this is a negative change and it’s a shame that Quizzle didn’t think that it was worth informing their users about.