Review info on your credit reportĬhase Credit Journey also offers the option to review your Experian credit report, where you can review:Ĭhecking what’s on your credit report allows you to spot any inaccurate information and file a dispute with the credit bureau. However, many of the same factors impact your FICO Score and your VantageScore - so if you’re managing your finances well and have a good VantageScore, you’re on the right track. For example, if you have too many credit checks on your report, that indicates you should stop applying for new credit for some time, or if your credit usage is too high, that indicates you need to pay down your balance.īe aware that the credit score lenders typically use when deciding whether or not to extend credit to you is your FICO Score, which is similar to the VantageScore, but uses somewhat different ranges: What’s also included below your credit score are the factors impacting your credit score, so you can make a plan of action if you need to improve your score. The score is updated monthly and includes a note on when your score will update next. Useful Chase Credit Journey features Check your credit scoreĬredit Journey lets you check your VantageScore 3.0 (which ranges from 300 to 850) based on Experian data and denotes where your score falls within one of four ranges: Track recent credit checks and payment history Monitor your credit usage (credit utilization), total balances and available credit However, if Credit Journey doesn’t offer quite what you need, head over to the section on alternatives for checking your credit score and getting alerts. Chase Credit Journey pros and consīecause Chase Credit Journey is a free tool, even if you don’t have a Chase credit card, there are more pros to using it than cons. Then, you’ll be directed to a page that highlights your credit score, factors that are impacting your score, your current credit usage and balances. The first time you access Chase Credit Journey, you’ll be taken to an enrollment webpage where you must select “I’ve read and agree to the above” and then click “enroll.” Here’s where to find Credit Journey after logging in as a cardholder: Those without a Chase card can sign up for Credit Journey for free with this link. If you have a Chase credit card, you can access Chase Credit Journey through your credit card’s online dashboard via. Offers such as preapproved Chase credit cards.īe aware that preapproval for a Chase credit card does not guarantee that you’ll be approved, but it can be a good indicator of qualification chances.Restoration services in cases of identity theft.A simulator to help estimate changes in your credit score.
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