I didn’t have high hopes for Credit Journey, I really don’t think a VantageScore based on TransUnion data is remotely useful anymore especially when Credit Karma gives you the exact same information but also gives you data on your Equifax report and a lot of other features. You can see how your score will be affected by doing certain things, e.g how your score will be effected if you pay off debt or open a new account. You’l be alerted whenever a ‘critical’ change is made to your credit report, for example a delinquent or late payment or a hard pull on your credit report. The score itself updates weekly as long as you log in and checking the score does not impact your score in anyway. This means the score they are giving you is unlikely to be the same score they are looking at as part of their lending decision. It’s also unlikely that they use VantageScores as part of the lending decision as a FICO score is much more commonly used. What’s interesting is that Chase typically doesn’t pull TransUnion data when they are making approval decisions on credit cards. The score it provides is a VantageScore 3.0 and is powered by TransUnion. You don’t need to be a Chase cardholder either to sign up. Your not required to input any credit card details, so there is no worry about being charged (this isn’t just a free trial). Step 2: Contact each of the credit reporting agenciesĬhase Credit Journey is a free online tool you can use to check your credit score and monitor your credit report for changes.Step 1: Contact the creditor associated with the account.Where can I get accurate FICO credit scores?.What type of credit score does it provide?.As mentioned, one of the benefits of the site is the fact that it gives you a free credit score. The service is provided by Chase but you don’t have to be a Chase customer to use it. ![]() What type of credit score does it provide?Ĭhase Credit Journey does NOT provide you with a FICO score. Instead, it provides you with a TransUnion Vantage 3.0 score. This is the same type of credit score provided by Credit Karma. Vantage calculates their credit scores differently from FICO (though there are a lot of similarities). Sometimes the scores can be the same or similar but in many cases, the credit score differences can be quite extreme for some people. For this reason, you want to use some caution before relying on the Credit Journey credit score. It’s very possible that your FICO score could be higher or lower than your Vantage 3.0 score so I would advise to check your FICO score, since most lenders use a FICO score to determine your credit worthiness. Below, I’ll show you how you can check your FICO credit score. ![]() It’s free and will help you optimize your rewards and savings! Where can I get accurate FICO credit scores? Tip: Use WalletFlo for all your credit card needs. There are a few ways that you can get a FICO score. Many find it easy to sign-up for and utilize that to get their FICO score (they offer a free 30-day trial membership). ![]() If you are just in it for the free score, make sure that you cancel your membership. Sometimes MyFICO offers a free trial so be on the lookout for that. You can also get one free credit report from each of the three major credit bureaus (TransUnion, Equifax, and Experian) once every 12 months from . But note that that is usually just the report (though I’ve been given the score once in the past before). The Chase Slate card is one of the best balance transfer cards that you can get. This means that if you have the Chase Slate you can check your FICO score and your Vantage score at the same time and easily compare the differences between the two models.Īnd this card also provides you with a free FICO score so it’s an option to consider for checking your FICO score for free. Your score will be updated on a weekly basis but you can check it as often as possible. Also, checking your credit score will not result in a hard pull so it won’t impact your credit score at all. The VantageScore Model is pretty similar to the FICO model but it has some key differences. Here are the 3.0 factors according to Credit Karma: It uses the same FICO range of 300 to 850 for the score and stresses many of the same factors as FICO - it just gives them different weight and has some slightly different criteria for calculating them. So as you can see there is a lot of overlap between the two models.
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