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Valued Contributor
Posts: 2,111
Registered: ‎05-05-2010
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Re: Chase Credit journey


Revelate wrote:

erick_mac1003 wrote:

Weird on why they use TU. Chase have been hitting my EX for HP.

 

This is so like similar to what CapOne offers Credit Wise.

 

Its MEH.. FAKO..

 


I'm guessing TU gives it away for darned near free.  

 

The only rationale I can see for Vantage is that they're offering it to everyone including non-customers... but Discover somehow is already doing this with a legit EX FICO 8; why not copy that?  Or maybe in their product development cycle it was too late to switch gears, though I don't think anyone in the market was clamoring for this.

 

I do sort of agree with the cynical viewpoint that this was for lead generation.


I think your right about Lead Generation. Its smart because they gain more information and get around the "opt-out." Access to more information could be a plus for consumers becasue any offers would be more solid.

New Visitor
Posts: 1
Registered: ‎06-15-2017
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Re: Chase Credit journey

I just signed up for Credit journey and I can see on my credit overview, an outstanding balance of $27 and a late payment.

How do I find out which is that payment and complete the same?

Valued Contributor
Posts: 2,111
Registered: ‎05-05-2010
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Re: Chase Credit journey

Sign up for credit karma and you will be able to see your credit report.
Frequent Contributor
Posts: 351
Registered: ‎07-27-2015
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Re: Chase Credit journey

There are so many fake score for free nowadays. Why would they offer this? They should roll out the real FICO score from the Slate card.


BoA, Amex, Citi, Barclay, Chase cards user since 2013. 7 CCs, few INQs, PIFs with low util. Giving Kudos for good.

Starting Score (7/26/2015): TU: 737 | EX: 739 | EQ: 750. It was ~500 back in 2013-5.
Current Score (1/11/2016): TU: 754 | EX: 760 | EQ: 755.
Goal Score: 760+ ... Smiley Happy ...
Taking the myFICO Fitness Challenge. Gardening since 4/8/2016.
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Senior Contributor
Posts: 6,742
Registered: ‎04-11-2016
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Re: Chase Credit journey

VS 3.0 scores are not "fake" they just aren't FICO scores. I agree it's annoying to see VS 3.0 everywhere since those scores are essentially irrelevant, but they aren't "fake."

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