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How to check your credit score as a Chase Slate cardmember

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    Quick insights

    • You can check your credit score by enrolling in Chase Credit Journey®.
    • Your credit score is just one factor of many when it comes to determining your eligibility for new lines of credit.
    • It’s essential to be proactive about protecting and maintaining a healthy credit score.

    As a Chase Slate cardmember, you may be wondering how your credit has been doing these days. Let’s review the ways you can access your credit score as well as how to help manage your credit wisely with this or any other card.

    How to manage your credit wisely as a Chase Slate cardmember

    Whether you have a Chase Slate credit card or not, it’s important to create a foundation of healthy and consistent habits regarding your credit. To manage your credit, it’s important to understand what goes into your credit score and creditworthiness, and then implement practices to help build a healthy score. First, let’s review how to check your credit score below.

    Checking your credit score with Chase Credit Journey

    Monitoring your credit score is one of the healthy financial habits you may adopt. To access your credit score with Credit Journey®, follow the steps below:

    • Step 1. Enroll in Chase Credit Journey. This is a free online tool anyone can use to see their credit score, regardless of which kind of credit card you have. You can log in on your computer or by downloading the mobile app. You can join Credit Journey even if you’re not a Chase customer.
    • Step 2. If you do not have a Chase relationship, you may need to provide some personal information, including your name, date of birth, Social Security number (SSN) and more.
    • Step 3. Once enrolled, you can view your free credit score and credit report provided by Experian™. Credit Journey is accessible both on mobile and desktop.

    You are also entitled to a free credit report once a year from each of the main credit bureaus: Experian, Equifax® and TransUnion®. You can request a free annual report by visiting https://www.annualcreditreport.com/index.action.

    Note that your score may vary slightly on each credit bureau report. That’s okay! Your score can be calculated using different scoring models, such as the VantageScore® or FICO® score. These are the two generally used by lenders and issuers.

    Understanding your credit score

    Your credit score holds importance no matter what card or line of credit you decide to apply for. That’s why understanding what your credit score means can help empower you to make financial choices that may be right for you. Your credit score is calculated based on the information in your credit report. Let’s review the key factors:

    • Payment history. This accounts for a large percentage of your credit score and reflects your ability to make your payments on time.
    • Credit utilization. This is the amount of credit you use out of your total available credit. A healthy credit score can mean you have a utilization ratio of about 30% or lower.
    • Credit history. Having a positive credit history helps indicate your reliability and ability to repay your debts and ability to manage different types of credit.
    • Credit age and mix. Having lines of credit open and managed wisely for longer periods of time can indicate your ability to manage your credit. Having a mix of different types of credit—for example, a mortgage and a credit card—can help diversify your credit mix.

    These are a few factors that help generate your three-digit credit score.

    Monitoring your credit score

    Checking your credit score can keep you abreast of fluctuations as you make financial decisions. You may notice it rise and fall as a reflection of your recent credit behavior. If you’re looking to improve your score prior to applying for a Chase Slate card, monitoring your credit score as you work to improve it can be a helpful strategy.

    Monitoring your credit score not only assists you in finding ways to help improve it, but it can also be a proactive way to spot suspicious activity, such as potential identity theft and fraud. A bad actor can steal your information and ruin your credit. By reviewing your credit score and credit report with a careful eye, you can help protect your credit score and avoid further harm. Be sure to keep sensitive information—such as your Social Security number (SSN)—protected. With Slate, you have the benefit of account protection, which includes fraud alerts, chip-enabled security and more.

    In conclusion

    You can check your credit score as a Chase Slate cardmember in several different ways, such as by enrolling in Credit Journey. It’s up to you to make wise financial choices to help maintain or improve your credit score. 

    Get your free credit score

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