Chase New! Free Credit Score

[Anonymous]

I completely agree and was thinking not 10 min ago about making my own post on this. As big a lender as Chase is, I don't know why they chose to go vantage. Discover is offering fico scorecard to anyone. Chase comes out with something similar, yet goes vantage. It will absolutely confuse some people.

I don't understand why slate is the only product with a fico score. I think chase has the best cards available. There are so many I want that end up being chase. I already have 3, some have 10. It seems crazy to come out with this product and not offer a fico score.

As far as chase using it in their decision. I've never heard that. My freedom unlimited and original freedom both had their internal scoring used, CARS, or credit acquisition risk score.

[fltireguy]

maybe vantage factors into a CARS score?

[MyLoFICO]

Free vantage score?. That's like the trash bringing itself back in from the curb. 

[Anonymous]

fltireguy, can't be sure. I inquired once. Got xfered a few times. Didn't really get much of an answer. I ended up just figuring it wouldn't make much difference to me if I knew anyway.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Yeah it's been around for a while. The funny thing is that it tells you how many accounts you've opened in the last 24 months.

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LOL.. true and it does inclue all trade lines not just credit cards

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I recently purchased an account with EIDT for the specific purpose of monitoring NEW collections added by the [3] credit reporting agencies. Will the service provided by Chase Journey effectively provide this service for free?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Yeah it's been around for a while. The funny thing is that it tells you how many accounts you've opened in the last 24 months.

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LOL.. true and it does inclue all trade lines not just credit cards

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I recently purchased an account with EIDT for the specific purpose of monitoring NEW collections added by the [3] credit reporting agencies. Will the service provided by Chase Journey effectively provide this service for free?

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I am not sure but I don't think it provide real time monitoring service.. and even if it does, mostly it will be only from TU.. others may provide more details.

[Anonymous]

When I received the email, I was very happy.....

That feeling quickly vanished when I realized it wasn't the Experian FICO score that comes with the Slate card (that I do not have), but yet another outlet to obtain the Vantage score.

Blah...I know FICO is the pack leader but Vantage scoring must mean something to Chase if they are offering *anyone* a view for free.

[Anonymous]

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@Anonymous wrote:
When I received the email, I was very happy.....

That feeling quickly vanished when I realized it wasn't the Experian FICO score that comes with the Slate card (that I do not have), but yet another outlet to obtain the Vantage score.

Blah...I know FICO is the pack leader but Vantage scoring must mean something to Chase if they are offering *anyone* a view for free.

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Yes, it means it's cheaper to offer than licensing from FICO  

[Anonymous]

Cap1's credit journey is better IMO seeing as it shows you a decent chunk of your TU CR along with the FAKO. Good way to keep an eye on things even if the VS3.0 is relatively useless. I don't like my VS3.0 because it's 50 points lower than my FICO 8's 

[Anonymous]

Same score you get from Credit Karma.  Or Credit Sesame.  Or Credit Wise.  Or probably a half-dozen other places. 

I'm still looking for someone to provide a free monthly EQ FICO 08.  Combine with an EX 08 from Amex and a TU 08 from Discover (or many other lenders) having an EQ 08 would complete the trifecta.