![]() Keep in mind, all credit card suggestions will be issued from Chase so if you need unbiased credit card proposals, check out our credit card finder to help you pick from the hundreds of cards available from other issuers. Credit cards that would work for you based on your credit report are suggested to you by the system. Last but not least, credit card suggestions are offered to you.You can find credit-related topics such as how to build credit, how to apply for credit cards, and other financial articles. Chase offers a vast array of credit resources to help all consumers, from the credit beginner to the credit pro.However, it’s a nice tool to have to get a general idea of how your credit score will turn out if… It’s a tool we’d love to have in all aspects of our life:) Users have reported that the simulator is not set in stone and the system can stall or be way off with the scores, and Chase has a disclaimer that the tool is not to be relied on. Based on that, you can decide if to go ahead with the action or not. The simulator will then calculate how much of an effect that would have on your score and throw back your predicted credit score. The way it works is you pick a credit action, for example, apply for a new card. There is a score simulator tool that you can play around with to see what would happen to your score “if” and “when” you’d do any specific credit activity, such as apply for a new credit card, pay off a balance, increase a credit limit, miss a payment, etc.You can turn alerts off or personalize them to only alert you for activities you choose to be notified of. These alerts may be helpful in terms of your credit safety to insure no stranger gets their hands on your credit and that no error is made. Such as if an account is added to your report, your name is changed on the report, your address is changed on your report, a hard inquiry is made, a new collection or late payment, etc. You are alerted by an email or notification any time there’s a change to your report, to keep identity theft away.Keep in mind, your credit details will not be displayed in a formal credit report on Chase Credit Journey. These are all factors that are part of your credit report which affect your score. You get to see your credit information, such as open accounts, closed accounts, inquiries, collections, delinquencies, and more the type of information you’d typically find on a credit report.You get to see your Vantage 3.0 credit score and the factors that make up your credit score.Chase Credit Journey Benefitsīesides for your credit report and score, Chase Credit Journey has additional features, listed below. You can keep logging in to view and review your credit report and score, which will update on a weekly basis. You get to create your own account by setting up a username and password. They get all your credit information from Experian, one of the 3 well-known credit bureaus.Ĭhase Credit Journey is set up as an online account which you can find by either visiting the link at Chase Credit Journey or, if you already have a Chase online account, by accessing the tool from there, or by getting onto your Chase banking mobile app. Knowing that, is Chase Credit Journey an accurate enough platform to help you do so? What is Chase Credit Journey?Ĭhase Credit Journey is a tool Chase offers that lets you view and monitor your credit report and credit score. So yes, it’s important to often check in on your credit report. ![]() Why would you want to keep tabs on your credit report and score, you ask? It’s because your credit report and score are what affects the way banks look at you when you apply for a credit card, mortgage, or loan, and these are things you keep bumping into, whether you like it or not. A credit monitoring service is a platform that allows you to review and keep tabs on your credit report and score. In 2017 Chase released a free, credit monitoring service called Chase Credit Journey. What is Chase Credit Journey? Chase Credit Journey Benefits Do I have to be a Chase customer to use Chase Credit Journey? Is Chase Credit Journey free? Are the scores on Chase Credit Journey accurate? Which credit report is Chase Credit Journey based on? How often does Chase Credit Journey update? Is Chase Credit Journey good or bad, recommended or not? Chase Credit Journey Alternatives ![]()
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