Chase Credit Journey is available to help you identify and better your credit score. The service is completely free and you do not have to be a Chase customer to use the tool. Checking your credit score with Credit Journey does not effect your credit score so you are able to check it as often as you want! There are many factors that influence your score that you may not even be aware of such as how much credit you have available, your recent inquiries for credit, how old your credit accounts are, and much more. With this tool, you are able to keep an eye on it all and then you will be able to see how you can better it! Compared to other credit scores, Chase uses the VantageScore 3.0 Credit Score based on TransUnion data which uses a variety of different sources to give you an accurate score. If you are interested in learning more about how you can check and improve your credit score, then keep reading!
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Why choose Chase Credit Journey ?
If you’re wondering why to choose Chase Credit Journey over the many other credit score tools out there, then look no further. Chase will make sure that you are satisfied with your services and that your information is always protected.
- Free Credit Score: Your credit score that you will receive is a VantageScore 3.0 credit score which is powered by TransUnion. And the best part? It is completely free.
- Weekly Updates: Your score refreshes weekly when you log in and you are able to check as often as you like – it won’t impact your score.
- Score simulator: Find out how your score may be affected when you pay off debt, open new accounts and more.
- Alerts: Get email alerts about critical changes to your credit report, helping you identify potential fraud.
Chase Credit Journey offers you information what may interest you. Along with the services being completely free, Chase also provides you with tips on how to better your score. For instance, paying your bills on time, a long & diversified credit history, and using less of 30% of your credit limit are all things that will positively affect your credit score! However, paying your bills late, requesting for new credit, or using more than 80% of your credit limit will negatively affect your score.
Also, for added assurance your information is protected using Identity Verification which is a powerful fraud protection tool that asks questions that can only be answered by the person who is the subject of the credit report – without it, an unauthorized party could obtain your most private credit information.
Checking your credit score has never been easier with Chase Credit Journey! This completely free tool isn’t just limited to Chase customers, but to anyone who would like to see their credit score and learn ways to improve it! You’re able to take control of your score today! If you are looking for bank bonuses from Chase, check out HMB’s updated list of Chase Bank Promotions.
The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®!
You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value!
Furthermore, you'll earn 2X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
This card carries a $95 annual fee.