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Scoring model used by Chase Credit Journey®

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    Quick insights

    • Chase Credit Journey is a free online tool anyone can use to view their credit score and credit report provided by Experian™.
    • Credit bureaus may use different credit scoring models to calculate your credit score.
    • With Credit Journey®, you can access your VantageScore® 3.0.

    With many types of credit scores and credit scoring models out there, it can be hard to distinguish which one your specific score is. When you use Credit Journey, your score is calculated by the VantageScore 3.0 model. Below we detail what Credit Journey is.

    Exploring the Chase Credit Journey tool

    Credit Journey is a free online tool that provides users with access to their credit score, credit balances, limits and credit history. You do not have to be a Chase customer to access this tool and it’s available both online and in the mobile app.

    Once you've enrolled in Credit Journey, you’ll have access to a customized credit dashboard. This dashboard serves as your “home base” where you can see your credit score. You can see which range your score falls into, your credit usage, limits and more. You will also be able to view your free Experian credit report, which provides information including, but not limited to:

    • Open accounts
    • Closed accounts
    • Hard credit checks (should the lender use Experian)
    • Derogatory marks
    • Personal information

    Additionally, you can enroll in identity monitoring services. Identity monitoring is one step you can take towards helping protect your identity and keep your information safe. Credit Journey’s identity monitoring services include:

    • Dark web surveillance: Be notified if your information is found on suspicious websites.
    • Data breach monitoring: Find out if your data was exposed on the dark web due to a company’s security lapse.
    • Social Security number (SSN) activity tracking: Keep track of your name, address or other factors linked to your SSN.
    • Identity verification alerts: Be aware of when a lender verifies your identity, such as when you apply for a loan.

    Chase Credit Journey: VantageScore vs FICO

    Chase Credit Journey uses VantageScore 3.0, which is a credit scoring model developed by the three major credit bureaus: Experian, Equifax® and TransUnion®. VantageScore 3.0 provides a snapshot of a consumer's credit health and behavior.

    VantageScore 3.0 uses a scoring range of 300-850, similar to FICO, but weighs the factors—such as payment history, credit usage, and credit age—differently. The categorization of these credit ranges also differs in the following ways:

    As of May 2024, VantageScore credit score ranges are:

    • Excellent: 781 to 850
    • Good: 661 to 780
    • Fair: 601 to 660
    • Poor: 500 to 600
    • Very Poor: 300 to 499

    As of May 2024, FICO credit score ranges are:

    • Exceptional: 800+
    • Very Good: 740 to 799
    • Good: 670 to 739
    • Fair: 580 to 669
    • Poor: 579 and below

    The importance of monitoring your credit score

    Monitoring your credit score is important for several reasons. It allows you to understand your credit health, track your progress if you're trying to improve your score and help detect any potential signs of identity theft or fraud.

    Regularly monitoring your score can also help you understand how different financial decisions can impact your credit score. For example, if you lower your credit utilization ratio, you may see this reflect positively in your credit score over time.

    Your credit score is important as it can affect your ability to get approved for lending products, like a credit card or mortgage, as well as help determine your interest rate on loans.

    Using Chase Credit Journey to improve your credit

    One way you can monitor and help improve your score is with Credit Journey’s score improvement feature. With this tool, you can create credit score goals and receive a personalized action plan provided by Experian to help you improve your credit score. You can see, for example, how paying off a certain amount of debt, opening a new credit account or having a late payment could potentially impact your score.

    By tracking your score goals and making shifts to your credit behaviors, you may see your credit score begin to improve over time.

    In conclusion

    When you access your credit score on Chase Credit Journey, the three-digit number that appears is a VantageScore provided by Experian. It can be important to monitor this score to help you better understand your current credit behaviors as well as find ways to improve upon them.

    Get your free credit score

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