My Review of Chase’s New (Free!) Credit Monitoring Service, Credit Journey

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Knowing your credit score is important in the points & miles hobby.  And Chase has just launched Credit Journey, giving anyone (not just Chase cardholders) free access to an estimate of their TransUnion score.

So folks now have another free tool to help keep tabs on their credit!

That’s important, because having a higher score improves your likelihood of getting approved for credit.  So you can earn more sign-up bonuses. 😉

Chase Credit Journey

Chase’s Credit Journey Gives Anyone Free Access to an Estimate of Their TransUnion Credit Score

Here’s more about Chase’s new credit score service.

Get an Estimate of Your TransUnion Score for Free With Chase’s New Website

Link:   Credit Journey

With Chase’s Credit Journey, you can get an estimate of your TransUnion credit score.

Signing-up online is easy, and you do NOT have to be a Chase cardholder to use the service.

They’ll ask for things like your name, email, address, and the last 4 digits of your social security number.  And then verify your identity with a few questions.

Along with the score estimate, you’ll be able to see what factors are affecting your score, like credit utilization, late payments, opened accounts, and inquiries.

The score simulator is another unique tool that many of the other credit monitoring sites don’t offer.  You can see how different changes to your credit report would affect your score.

Chase Credit Journey

Want to See How Applying for a New Card Might Affect Your Score? Put It Into the Score Simulator!

Just be aware, this is a FAKO score NOT a FICO score.

FAKO scores are based on information from your credit report, but they use different scoring criteria than FICO.  Because they aren’t regulated like FICO scores are.  So this tool is only good for getting an estimate of your score.

Lenders use FICO scores when making credit and lending decisions.

Is This Different From Other Credit Monitoring Sites?

Chase’s Credit Journey is similar to sites like CreditKarma and Credit Sesame, in that they allow you to view your credit data and offer estimates of your scores (FAKO scores).

Credit Journey pulls data from TransUnion, CreditKarma estimates your scores with data from Equifax and TransUnion, and Credit Sesame uses information from Experian.

Chase Credit Journey

Keep In Mind, Credit Scores From Credit Journey, Credit Karma, and Credit Sesame Are Just Estimates and Your True Credit Score Is Likely to Vary a Bit

Discover’s Credit Scorecard, on the other hand, gives you your actual FICO score from Experian.

Different banks pull scores from different bureaus when you apply for new cards, so it’s something to watch for when you sign-up.

Other Ways to Get Your Free FICO Score

AnnualCreditReport.com will give you a free credit report from each credit bureau once every 12 months.  But it won’t include your actual FICO score.

Luckily, there are a number of credit cards that offer folks free FICO scores from all 3 credit bureaus.

For example, anyone with a personal card from American Express, like the AMEX Starwood card or Premier Rewards Gold card, gets access to their score from Experian.

Barclaycard cards like the Arrival PlusAAdvantage Aviator, and Hawaiian Airlines card all offer free TransUnion FICO scores.

And you can get your Experian FICO score with the Chase Slate card.

Discover cards like the Discover It and Discover it Miles both come with your TransUnion FICO (not FAKO!) score.

And Citi cards like the Citi Prestige, ThankYou Premier, and ThankYou Preferred allow cardholders to view their free FICO score from Equifax.

Why Your Credit Score Matters

Read about why you should apply for cards from different banks and the factors that affect your credit score.  You’ll learn how your credit score is calculated and why it matters when you’re applying for credit cards.

Also, check out my post on how to boost your credit score!

Bottom Line

Chase’s Credit Journey tool will give you an estimate of your TransUnion credit score.

The good news is, you don’t have to be a Chase cardholder to use the service.  Just remember, this is a FAKO score and not a FICO score, that lenders use when making lending decisions.

Plus, there are certain credit cards offer free FICO scores from the 3 credit bureaus (Equifax, TransUnion, and Experian).  So this tool may not be worth it to some folks.

Let me know what you think of Chase’s new credit monitoring service!

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2 responses to “My Review of Chase’s New (Free!) Credit Monitoring Service, Credit Journey

  1. Doesn’t credit sesame pull transunion now? Just confirming. I thought credit.com was the only one pulling experian now?

  2. Strange… per Credit Journey I have 18 years of credit history, though I had credit for at least another decade before that. It shows no credit scores this year, none, until today. I’m hoping it is still looking for data, & will come back later.
    Thanks for summing up the ways to see the scores reported by various bureaus!