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

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

Million Mile SecretsMy Review of Chase’s New (Free!) Credit Monitoring Service, Credit JourneyMillion Mile Secrets Team

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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 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 from American Express, gets access to their score from Experian.

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

And Citi cards like the Citi Prestige Card, Citi ThankYou Premier Card, and Citi ThankYou Preferred Card 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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My wife received her first Chase card recently and after setting up online access for her, the first thing I did was go the Chase Credit Journey to check her report. I was shocked to see it says she has 5 opened accounts in the last 2 years, which I knew wasn’t true. I then went to Credit Karma and checked both her TransUnion report and her Equifax report, and then I went to Experian and checked her report there. All 3 showed the same information – that she has 3 opened accounts in the last 2 years with 2 of those being authorized user accounts.

Why would Chase Credit Journey show 5 accounts when TransUnion, where they get their information from, shows 3 accounts? I am hoping she can get the CSP in a couple of months and realize Chase bases their account decisions on Experian’s report, so is this anything to be concerned about?

Hi Ed,

Are they showing up specifically as new credit cards that were opened? Chase 5/24 only counts credit cards, so if you opened say, an auto loan, or refi’d a mortgage…those MIGHT show up on Credit Journey or Credit Karma as accounts opened in the past 2 years, BUT they would not count against Chase 5/24.

I would narrow it down and find the specific accounts on the credit report that have an open date in the past 2 years and match it up with your current credit cards.

Otherwise, the only other possibilities I can think of are:

(1) identity theft and someone has been opening accounts in your name

(2) lost/stolen accounts that are now reporting as a new account with a new account number on your credit report making it appears like a brand new account

(3) you were added as an authorized user to an account which is now reporting to your credit report

I guess I didn’t explain it properly. I’m talking about the Chase Credit Journey page where it shows your 5/24 status. That’s where it shows 5 accounts in 24 months opened.

All 3 credit reporting agencies show the same thing – 1 new INDIVIDUAL credit card and 2 authorized user cards.

I have never seen any data points that auto loans show on the 5/24 count on the Chase Credit Journey page. As far as I am aware the 5/24 count ONLY refers to credit cards. And, even if it did, she still would not be 5/24.

My question was why does the Chase Credit Journey page show a different 5/24 count than even TransUnion does when TransUnion is the one providing the information to Chase.

Be advised this free credit score is a scam set up by Chase Bank. I am a disabled senior citizen and tried to access this information which was sent unsolicited and just showed up as a commercial ad on my checking savings app When I tried to talk to chase about it they treated me like a five year old. I am Closing my accounts.

what exactly was the “scam” part of this comment? Chase bank ran an Ad about getting the report and you tried it out? Is that the scam part you’re talking about? I don’t understand how (or who) scammed you. What did you think they were after? I think you are calling the scam that they wanted you to use the App and so you did. So?

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!

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