Chase Credit Journey gets you a VantageScore credit score from TransUnion, information from your TransUnion credit report, credit monitoring, score simulators, score tracking, credit education, card offers, personal loan offers, and mortgage offers.
All of this is free, and you don’t need to be a Chase customer. Let’s look at some of the pros and cons of this service.
What Is Chase Credit Journey?
Chase Credit Journey was started in 2017 to provide credit scores, credit monitoring, and other services for free.
The model is similar to Credit Sesame, Nerd Wallet, or Credit Karma. All of them provide members with a weekly updated credit score, alerts, and credit education articles.
They can provide these services for free by offering Chase credit cards, personal loans, and mortgages for you to purchase.
The site feels like a budget version of sites like Credit Sesame, Nerd Wallet, or Credit Karma. It offers some free but limited credit monitoring services, and the credit education section does a thorough job covering the basics.
I think when large lenders attempt to educate on credit building, they are constrained because they are much more vulnerable to lawsuits for ambiguous advice.
This makes their articles and advice read ‘by the book’ and feel a bit like you are reading a textbook. The information is there but getting it isn’t entertaining!
What Does It Cost?
My membership was free and I had free access to all of the services once I joined and logged in.
The member dashboard does not attempt to sell anything or push any products upon you.
In fact, if you want to shop for a credit card, personal loan, or a mortgage, you will need to go to the ‘Offer’ tab in the Chase dashboard.
Chase Credit Journey provides a free credit score, email alerts and monitoring services – even if you are not a customer.
You’ll only spend if you elect to take them up on one of their credit card, personal loan or mortgage offers. Otherwise, it is free.
Is Chase Credit Journey Safe ?
When you enroll you are giving Chase access to your credit records and score which, if ever breached, could be used to steal your identity.
Chase confirms your identity either with a one-time Security PIN sent to your phone number or through a series of questions based on the account and personal information in your credit report. If your phone number can’t be verified, you’ll be asked to answer the questions.
According to the FAQs, a multiple-step identification process is used to confirm your identity and keep your information safe.
The questions are based on the information found in your credit report and are presented in multiple-choice form.
You must answer multiple questions correctly to confirm your identity and if you are unable to, you will be given an alternate option for identification.
If you are still unable to confirm your identity and after these attempts, you can contact TransUnion customer service representatives Monday through Friday, from 8 am to 9 pm (Est) at 1-844-343-5929.
Once you speak with TransUnion and confirm your identity, you will be given access to your account for free.
How Do You Log In?
If you are new to Chase Bank Credit Journey you can become a member for free by enrolling here.
After enrolling you can go to the login page by clicking here.
The dashboard displays your TransUnion VantageScore 3.0 score when you log in.
The dashboard also provides a snapshot of the key factors affecting your credit, including; Late Payments, Oldest Account, Credit Usage, Hard Inquiries, Total Balances, and Available Credit.
You will also have access to a credit report alerts section when you sign in to your account.
The alerts will show any changes, additions, corrections, or deletions on your TransUnion credit report.
You also will be able to look at ChaseCredit Journey offers of credit cards, personal loans, and mortgages.
One of the nicest features of Chase Credit Journey is the TransUnion limited credit report.
This report is pretty inclusive, especially since it is free. It includes most of the financial information TransUnion has collected about you and is used to determine your credit score.
Be sure to take a good look at the information and make sure that everything is correct.
Chase Credit Journey lets you view and manage information from your TransUnion credit report. Most of their competitors don’t have this feature.
If you find a record that has any mistake on it, you can request to have it verified.
If the lender or furnisher of the information is unable to verify the record then the credit agency will delete it from your account.
For more information on the dispute process, check out our guide to how to dispute a credit report entry.
It’s hard to complain about a free service, but there are some things you should consider about Chase Credit Journey.
- The free credit score is a VantageScore 3.0. Most free credit score providers use VantageScore, but most lenders will use FICO. The score you’re seeing may not be the score a lender is seeing, and they could be different.
- You only see information from your TransUnion credit report. That will not tell you what’s going on with your credit reports from Experian and Equifax.
Those issues are not major concerns that should deter you from using the service. You’ll just need to be aware that you have two other credit reports to monitor and that the credit score you’re seeing isn’t the only one you have.
Check with each of your credit cards and even your bank to see if they offer free FICO credit scores or monitoring services. Many financial products now offer this service.
Is There an App?
There is some confusion on this question.
Chase Bank does provide a mobile banking app for their customers that they can use to access their Chase Credit Journey information.
However, there is no specific Credit Journey Chase app that all members can access. The Chase mobile banking app is only available to Chase customers.
Chase customers can use their app to access other Chase products such as Chase Auto Loan and others. If you are not a customer, you will have to log in through the website.
Overall, Chase Credit Journey has been a helpful tool, however limited. Because it’s free, I don’t worry too much about the limitations. It’s easy to use and it provides a quick snapshot of your credit health. If you know what you aren’t seeing you can fill in the gaps.
The free tools and the credit education section are useful and worth a close look.
If you don’t want to worry and stress over whether the free credit score Chase will match your lender’s score, look for ways to get a free FICO score.
Many credit cards and bank accounts will provide FICO score access. If you don’t have an account that provides FICO scores, consider MyFico for your credit score and monitoring services. It’s not free, but it’s comprehensive: you’ll see all of your major FICO scores from all three credit bureaus.
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.