Check Your Credit Score for Free with Credit Journey (2024)

FAQs

Is credit Journey a real credit score? ›

It utilizes the VantageScore3. 0^® model powered by Experian, one of the three major U.S. credit bureaus. Your Credit Journey score is eligible for a refresh once every 7 days, and we ensure that your score is refreshed at least monthly.

You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

Get your credit score with Chase Credit Journey^®. It's free for everyone! It's so much more than a free credit score. Get your free score now with no impact to your credit.

Keep in mind that a FICO Score is different from the VantageScore 3.0^® model, which is used to generate your free credit score when you enroll in Chase Credit Journey^®. With this free online tool, your score is updated every 7 days (should you check it frequently) with no impact to your score.

The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.

This kind of check is called a hard inquiry—this will impact your score, and the more hard inquiries you have, the more points you may be sacrificing. But don't worry—with Chase Credit Journey, checking your score won't hurt your credit score. This is because you are not running a hard inquiry.

You can get your free credit score through Chase Credit Journey—which helps manage your credit score—by enrolling through the Chase Mobile^® app or on chase.com. You'll be able to access your credit score, credit report and other helpful tools to assist you with your financial journey.

Today, there are three national credit bureaus that collect your financial information: Experian™ (which supplies the personal information you see on Chase Credit Journey^®), Equifax^® and TransUnion^®.

Checking your credit score on your own, which is a soft credit check or inquiry, doesn't hurt your credit score. But when a creditor or lender runs a credit check, that's often a hard credit check, which could affect your credit score.

What is the best way to check your credit score? ›

There isn't a set credit score that each person starts out with. Instead, if you don't have any credit history, you likely don't have a score at all.

Score providers, such as the three nationwide credit bureaus -- Equifax, Experian and TransUnion -- and companies like FICO use different types of credit scoring models and may use different information to calculate credit scores.

With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your iOS device when changes are detected. Certain features are available only with eligible myFICO subscriptions.

VantageScore. The VantageScore model—specifically Version 3.0 which is the most widely used—considers similar factors to the FICO score model. However, how these factors are treated and weighted differently.