What you get: Quizzle gives you a credit score from CE Analytics, called a CE Score, and a credit report from Experian, one of the three major credit-reporting agencies. Scores range from 350 to 850. Along with a credit rating, the site provides several reasons your score isn't higher.

You can order a free report and score every six months, or pay $7 for each additional peek. Quizzle lets you dispute inaccuracies on your report directly with Experian.

For a $25 monthly fee, or $75 for four months, you can get personalized, step-by-step instructions on how to improve your score.

The site features other free tools, such as a budget and emergency fund tracker. On the downside, credit card issuers currently do not use the CE Score when making decisions about extending credit.