Chase Credit Journey Review: Get Your Credit Score Free!

Chase Journey Free Credit Score

Chase Credit Journey allows you to check your VantageScore 3.0 from Experian for free. You might have heard of your FICO score before - which is one of the major credit scores that banks and companies use to check your credit. VantageScore is another credit score which is slightly different, but does the same thing.

They are basically slight variations on the same thing - how credit worthy you are. 

Chase Journey gives you access to this score for free, along with a 12 month history of your score. That way you can see changes of your score over time (which is super helpful if you're working to improve your credit score).

You can sign up for Chase Credit Journey here. It's not available on their mobile app.

Here's a screenshot of how the main dashboard looks and displays your free credit score:

Chase Journey Free Credit Alerts

In addition to your credit score, the Chase Credit Journey tool also provides free credit alerts to ensure that you're aware of any changes to your credit. This can really be helpful if you're concerned about identity theft.

You will get alerts on the following:

• New credit inquiries
• New accounts opened
• Any changes of address
• New public records reported on your credit report
• Changes in account status (either positive or negative)
• Delinquent account notices
• Fraud alerts 

The Chase Journey tool also provides you with helpful actions you can take based on the alert. This is very helpful if you suspect any type of fraudulent activities. 

Dark Web Monitoring

Another feature that has been added in recent years is Dark Web Monitoring. They keep and eye out on your Social Security number and other information that may be available.

It's important to note that, for most people, your identity information has already been stolen. It's really about preventing it from being used unauthorized that is important at this point.

How To Sign Up

It's incredibly easy to sign up for Chase Credit Journey. If you're an existing Chase customer, you can sign up by logging into your online banking account.

If you're not a customer (or are a customer without online banking), you can head over here: Chase Credit Journey.

When you sign up, you're going to have to complete an identity verification process to confirm your identity. If you're an existing Chase customer, this is easily done with a text message pin. If you're not a Chase customer, you'll be asked to verify information from your credit report. 

The cool thing about Chase Journey is that this service is completely free. Some credit reporting and monitoring companies will charge you a monthly fee after your "free" trial. That isn't the case with Chase. However, don't be surprised if you do get a Chase upsell every now and then.

Important Things To Know

While Chase Credit Journey is an awesome free tool, it's still important to know the following.

First, your VantageScore provided by Chase Journey isn't your FICO score. If you're getting a mortgage or applying for credit, your lender may see a different score than you're seeing. This is normal. The VantageScore is a slightly different calculation. However, "good" is typically good across all scores, and "bad" is typically bad across all scores. 

Take a look at how different our score was above (using Chase) to the FICO score (using American Express) - it's 69 points different:

Final Thoughts

The bottom line is that Chase Credit Journey is a great way to monitor you credit and make improvements to your credit score. If you're an existing Chase customer, it's a no-brainer to take advantage of this free tool since you're likely already using Chase's website a few times per month.

If you're not an existing Chase customer, it might not make sense to jump on board. Free is great, but there are other great free tools that could be a better fit for you.

Don't forget to check out the best credit building apps that can now help you build your credit!