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Free Credit Score Check with Chase Credit Journey



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Get started with Chase Credit Journey®

Check your credit score

Check your credit score

Check your score any time without impacting your credit. We update your score every week and tell you what’s changed.

Improve your score

Improve your score

Users who successfully achieve their score improvement goal raise their score by an average of 20 points.

Help protect your info

Help protect your info

Get notified if your info is on suspicious websites or exposed in a data breach, with around-the-clock personal support.

Manage your credit score with confidence with Credit Journey

Track your credit score and learn how to build it with Chase Credit Journey

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Frequently Asked Questions

Your credit score is a number that represents a snapshot of your credit history that lenders use to help determine how likely you are to repay a loan in the future. In a typical scoring model, your score generally ranges from a low of 300 to a high of 850. The higher the credit score, the better a borrower looks to potential lenders. There are different credit scoring models which may be used by lenders and insurers.

Credit Journey uses VantageScore 3.0® by Experian. Your lender (including Chase) may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that’s different from your VantageScore.

Checking your credit score on Credit Journey does not lower your credit score. We access your credit information using a soft inquiry, also known as a soft credit check, which does not impact your score.

With Chase Credit Journey, you can check your VantageScore 3.0® credit score for free. You can also get alerts when there are changes to your credit report or when your personal information is exposed on the dark web or in a data breach, all at no additional cost.

Each lender is different, but generally speaking, if you have a score above 720, you'll have access to better borrowing rates. Scores above 800 are rated as exceptional.

Consider checking your score regularly to help monitor your credit activity. To help you stay on track, we update your score on a weekly basis and send alerts when we spot new activity or changes.

No. You don’t have to be a Chase customer to use Chase Credit Journey.

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