Chase Credit Journey Review – Free TransUnion Credit Score

Yesterday I let you know that Chase would be launching a new free site called Credit Journey that would give users access to a free credit score, credit monitoring and other benefits. That site has now launched, so I thought I’d do review it like I have for other similar sites such as Credit Karma, Credit Sesame, Quizzle, Discover Score Card, Wise Piggy, Credit.com & Freecreditscore.com.

Free Credit Score

As mentioned, one of the benefits of the site is the fact that it gives you a free credit score. Your not required to input any credit card details, so there is no worry about being charged (this isn’t just a free trial). You don’t need to be a Chase cardholder either to sign up.

The score it provides is a VantageScore 3.0 and is powered by TransUnion. What’s interesting is that Chase typically doesn’t pull TransUnion data when they are making approval decisions on credit cards. It’s also unlikely that they use VantageScores as part of the lending decision as a FICO score is much more commonly used.

This means the score they are giving you is unlikely to be the same score they are looking at as part of their lending decision. The score itself updates weekly as long as you log in and checking the score does not impact your score in anyway.

chase-credit-journey

Credit Tools

Credit Monitoring

You’l be alerted whenever a ‘critical’ change is made to your credit report, for example a delinquent or late payment or a hard pull on your credit report.

Credit Score Simulator

You can see how your score will be affected by doing certain things, e.g how your score will be effected if you pay off debt or open a new account.

Our Verdict

I didn’t have high hopes for Credit Journey, I really don’t think a VantageScore based on TransUnion data is remotely useful anymore especially when Credit Karma gives you the exact same information but also gives you data on your Equifax report and a lot of other features. The Discover Scorecard provides you with a free FICO score as well.

Do you see any point in signing up for Credit Journey? Let us know in the comments below.

Update: Readers point out two things:

  • This tells you exactly how many accounts have been opened in the last two years, this could be useful for determining your Chase 5/24 status
  • They might use this for determining Chase pre-approval data (they surely must be planning to market to users of the site).

 

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John Schomaker
John Schomaker (@guest_749724)
April 17, 2019 20:18

I want to cancel and delete all the information that was given to Chase Credit journey by TransUnion Credit Co. that is on my personal account. My personal information was give out to JP Morgan and Com. (Chase Credit journey) and other Business without my permission. My personal information is over sea and not controlled by anyone here in the U.S. Over sea’s is where my personal information was when this year I got Hack. Our personal information is going out the States. It needs to be Stop. When I called Customer Service at TransUnion yesterday I was transferred all over the World. When I ask them where they live, what country they won’t tell me what country they are from, but their speech and act sent gives it away. Just think when a person in the U.S. want a Loan or other fills out an application with your personal information, that information from company here it is all sending the information over sea’s where it could get Hack.

sloebrake
sloebrake (@guest_749733)
April 17, 2019 20:41

These types of posts really bum me out. Most time I assume it’s just someone testing out an AI context writing bot (a la Hallmark movie bot.)

But it could also be a real person who just can’t effectively function in a digital age. Like writing checks for groceries.

ReagorJ
ReagorJ (@guest_1365678)
April 15, 2022 00:39

,,,,,,,,,,,,,,,,,,,,,,

Dheeraj
Dheeraj (@guest_674243)
November 16, 2018 23:26

https://www.creditviewdashboard.com/CreditView?enterprise=TU2&offer=CVTU4

This is special free sign up link for the official Transunion credit score monitoring service that I lifted from my local bank’s website.

tszefr
tszefr (@guest_741484)
March 30, 2019 22:07

I find “Credit Journey” to be total crap. I blame Transunion for putting it out and I blame JPMC for foisting it on their customers.

What got my attention was the score around a hundred points less than my real scores. Looking a little deeper we find a gross lack of content. CJ says my total line is $1200 (a fairly new gas card) but even my JPMC card has over $8000 credit line. CJ says I have a few months worth of record but in reality I have decades worth of credit and probably $100k worth of credit line, not counting real estate! Even a standard Transunion report will confirm all of that, I believe!

Next effort will be to go to the mat with these turkeys via CFPB. I have found the process useful for getting Experian to behave,

Dheeraj
Dheeraj (@guest_674241)
November 16, 2018 23:25

https://www.creditviewdashboard.com/CreditView?enterprise=TU2&offer=CVTU4

This is a special sign up link (found through my local bank) for the official TransUnion credit score monitoring service.

Mark Trout
Mark Trout (@guest_669427)
November 7, 2018 21:33

Hey Doc,
Chase Credit Journey now shows 5/24 status hard credit inquiries

https://creditcards.chase.com/free-credit-score

It might be useful to know what the 5/24 status is with Chase before you apply for a credit card with them.

Fortunately, I applied for numerous cards with them well before 5/24 was established.

The blog is fantastic.

Thank you.

Mark
Mark (@guest_387248)
April 10, 2017 19:24

So, does Credit Journey sell your info to keep their site “free” like the others? I do not want any more pre-recorded calls “Hello and congratulations,… you were approved for a loan,…”

Jeff H
Jeff H (@guest_386092)
April 8, 2017 19:33

I just signed up for Credit Journey. Separate log in than Chase.com. The attraction for me is Credit Journey makes more commentary than many free credit score sites.

Harmony
Harmony (@guest_351912)
February 11, 2017 13:48

Hopefully someone is stil here for discussion.. I am new to credit. I am trying to get a house, but I don’t have any score . Recently got a secured card and waiting for a score . Its been about 5 months, I signed up for chase credit journey because I thought it might let me know of I even have a score. When I signed up, it says I have a 670. Last month, I checked with a lender and the score was unavailable. What do y’all think? Should I expect to have a score and if so what should I predict it be around based on credit journey? Thanks for your help .

TomTX
TomTX (@guest_367866)
March 10, 2017 08:17

If you just got your first loan, you are just getting scores for the first time. And scores will trend low for awhile. Demonstrate responsible use of credit and your score goes up. Just go do some reading on the topic.

Abey
Abey (@guest_346537)
January 31, 2017 04:33

I find all of theae fake credit scores to be very inaacurate.
credit karma, capital ones credit wise, chase credit journey, and so on.
They all have me in the 670 range and then Amex which i find to be the most accuarate has me in the 760s.
Ironically, when i applied recently for Capital ones Spark, Barclays Wyndham and Chase Amazon, i got my score along with the credit card approval letter and they were 767 for Capital one 762 for Chase and 757 Barclay.
And then again Capital ones credit wise had me at 678 (-99) Chase credit journey at 669 (-93) and Barclays at 702 (-55)
That shows their own model doesnt represent your score when they pull you.

_me_
_me_ (@guest_338323)
January 13, 2017 09:48

I got denied for CSR a few months ago for too many accounts. I pulled my report and was at 6/24. I signed up for credit journey and it says I’m at 4/24. I’m going to try again at the location to see if I have any luck

renzhen
renzhen (@guest_332720)
December 31, 2016 15:44

my report says that I have opened 7 accounts in past two years, and compare that to my record and the 7 clearly includes two business cards (one from chase and one from amex), does anyone else have the same thing? (BTW, one of my friends said his number in the report did not include any business cards, even those chase business cards). Seems a YMMV report.