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Chase New! Free Credit Score

Roodog26
Frequent Contributor

Re: New free Chase "Credit Journey" service/score

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.
Message 11 of 29
fltireguy
Valued Contributor

Re: New free Chase "Credit Journey" service/score

maybe vantage factors into a CARS score?
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 12 of 29
MyLoFICO
Valued Contributor

Re: New free Chase "Credit Journey" service/score

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


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 13 of 29
Roodog26
Frequent Contributor

Re: New free Chase "Credit Journey" service/score

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.
Message 14 of 29
sonatina
New Contributor

Re: Chase New! Free Credit Score


@Klad wrote:

@LAKings 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.


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


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?

Message 15 of 29
Klad
Regular Contributor

Re: Chase New! Free Credit Score


@sonatina wrote:

@Klad wrote:

@LAKings 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.


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


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?


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.

 

FICO EX 748, EQ 752, TU 746| Total CL $209,000| INQ EX 7, EQ 6, TU 5:12 Months EX 5, EQ 5, TU 4| AAoA 20 months
CSR $29000Schwab PlatinumCIP $10000PRGAviator Red $8000Pathfinder Rewards $5000Merril+ $15000Merril+ $5000
Double Cash $8800Premium Rewards $20000BCP $34500CF $8000ED $16300Discover $8900Cash Rewards $5500Arrival $15000Macys $20000
Message 16 of 29
Mixem143
Frequent Contributor

Re: Chase New! Free Credit Score

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.
Message 17 of 29
TygerHawke
Established Contributor

Re: Chase New! Free Credit Score


@Mixem143 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.

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

Message 18 of 29
Anonymous
Not applicable

Re: Chase New! Free Credit Score

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 Smiley Tongue

Message 19 of 29
BrutalBodyShots
Super Contributor

Re: Chase New! Free Credit Score

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.

Message 20 of 29
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