Although creating a new account may cause your credit score to dip at first, it may help boost it over time. New account opening: Opening a new line of credit can impact your credit usage, total balances, and available credit.New credit inquiry: When a lender, creditor, potential landlord or employer requests to see your credit report from a credit bureau, it’s marked as a new credit inquiry.Changes to your credit limits, utilization, and balances so you can maintain your credit health.However, there are several other tabs that provide other great features like alerts, special Chase offers customized to you and ScoreĪs mentioned before your login will default to the “Score” tab, which provides your current credit score, and the factors that contribute to your score such as your credit usage, total balances, available credit, late payments, etc. Once you log into the Chase Credit Journey portal you will default to the page with your credit score. Once you’re signed up, you can view your score and most recent TransUnion credit report at any time for free, as well as all the other tools they provide. If you don’t already have a Credit Journey account, you can enroll on the Chase website. Your VantageScore is different from your FICO score, which is the score most lenders use when evaluating your credit application. Your VantageScore 3.0 credit score provided through Credit Journey is based on data from TransUnion, one of the three major credit bureaus. The service is available to consumers for free, regardless if you are a Chase customer or not. Tailored insights into factors behind the credit score to help you manage your credit health.History of your credit scores in a graph, starting with your credit score on the day you sign up and continuing for 12-month intervals.
Summary of total credit balance, credit utilization rate and late payments across credit accounts.
CHASE CREDIT JOURNEY SIMULATOR
CHASE CREDIT JOURNEY FREE
What is Chase Credit Journey?Ĭhase Credit Journey is a credit monitoring service that provides free access to VantageScore 3.0 (by TransUnion). Check out this Chase Credit Journey review to learn everything you need to know about this tool. You’ll gain access to email alerts, a score simulator showing you how financial choices affect your credit, weekly score updates, and alerts concerning credit changes to your report. Chase Credit Journey Features & Benefits + −Ĭhase Credit Journey lets you monitor your VantageScore 3.0 credit score for free, even if you aren’t a Chase customer.
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