![]() Closed accounts: Either recently closed accounts or ones that closed several years ago.You’ll see your total balance across all accounts and your total available credit. Open accounts gives you every open account showing up in TransUnion’s report.Chase Credit Journey ReportĬredit Journey displays your TransUnion report with a 7-factor, comprehensive overview including: Chase’s library of resources is one of the best we have seen and is written in a way that even someone who has no idea about credit can understand. Part of the package is Chase’s large library of educational articles that cover pretty much any topic related to credit scores such as how scores are calculated, common myths about credit, and articles on how to build and manage poor credit. They also offer a neat card finder tool that lets you compare different cards and offers. Chase’s algorithm takes into account your current credit score and past financial behavior to generate recommended credit cards, personal loans, auto loans, and more. Chase Credit Journey OffersĪs is the case with most credit reporting services like CreditKarma, Chase Credit Journeys will offer you financial products that the algorithm determines that would be best for you. For example, if you open a new line of credit, an alert will pop up with a new credit line. ![]() If any of your report data changes, then you will get an automatic update. ![]() This page has the phone number and email of the credit reporting agency. From the same section, you can go to the dispute pages if you think a charge or inquiry was made in error. Credit Journey will keep you up to date on any new accounts you open and any hard inquiries. Chase Credit Journey Credit Alertsįirst off, Credit Journey features real-time updates and alerts to your account. Let’s take a look at some of the features that customers get when they sign up for Chase Credit Journey. You don’t even have to have a Chase bank account or credit card to get started. While some credit monitoring services are subscription-based and offer limited functionality in their free versions, Chase offers one free comprehensive service. With all of the services offered by the platform, you may be wondering, is Chase Credit Journey free? When you create your account and enter your information, you grant Chase permission to access your TransUnion credit report. Once you create a login and go through Chase’s identity verification (a PIN or set of security questions), you’re all set. You just have to follow a few prompts and enter basic identifying information, including your: Signing up for a Chase Credit Journey account is simple and secure. How Do You Sign Up for Chase Credit Journey?Ĭhase Credit Journey makes signing up and using the app easy. See which Chase credit cards you prequalify for.Credit Score Simulator - shows how actions you might take can affect your credit score.Track your credit score changes (you’ll see how your score has changed with each weekly update).New public records reported on your credit report.See the following information from your TransUnion credit report (and get Credit Alert notifications whenever any of the following changes):.I’ll go into what that means for you later.Īlong with access to your VantageScore, Chase Credit Journey offers the following additional services: Instead, you’ll be seeing your VantageScore credit score. Now, you won’t be seeing your FICO score - the score relied on by most creditors when evaluating potential customers. Checking your credit score through Chase Credit Journey will not affect your credit score. Your score will refresh weekly, though you can check it whenever you want with no restrictions. What Is Chase Credit Journey?Ĭhase Credit Journey was launched in 2017 by Chase as a way for anybody - not just Chase account-holders - to check their credit score for free. In the Chase Credit Journey review below, we’ll provide you with an overview of the platform’s features and take a look at how it compares to competitors. Whether you bank with Chase or not, you could benefit from Chase’s Vantage Score 3.0 credit checks, offers, and recommendations. One service that you may want to consider signing up for is Chase Credit Journey. Credit monitoring should be a part of your money management routine, and there are several platforms out there that can help you track and improve your credit score.
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