You can check your credit score for free directly through the Chase app. You do not need to have a Chase credit card to use this feature, and checking your own Chase credit score does not hurt your credit.
Chase provides access to your score through Chase Credit Journey, which takes only a short time to set up if you are using it for the first time.
How to Check Your Chase Credit Score
To check your Chase credit score, open the Chase app and sign in to your account.
From the main screen, follow these steps:
- Tap “More” at the bottom right of the screen.
- Scroll down until you find the “Track Your Finances” section.
- Tap “Free Credit Score.”
- If you have not used the feature before, enroll in Chase Credit Journey.
- Review the personal information Chase has on file and make sure it is correct.
- Tap “Next.”
- Review the information on the enrollment screen.
- If you want to use identity monitoring, leave the option turned on.
- Scroll down and check the box agreeing to the terms.
- Tap “Enroll.”
Chase will then retrieve your information from Experian. After a few seconds, your Chase credit score should appear at the top of the screen.
Once you have completed the enrollment process, you will not need to repeat it every time you want to check your score.
Does Checking Your Chase Credit Score Affect Your Credit?
Checking your own Chase credit score does not lower your credit score. Viewing your score through Chase is considered a soft inquiry, so it does not have the same effect as applying for a new credit card or loan.
This means you can check your Chase credit score without worrying that the check itself will damage your credit.
It is a good idea to monitor your score regularly, especially if you are planning to apply for a credit card, car loan, mortgage, or another type of credit.
Credit Score Ranges Explained
Credit scores generally range from 300 to 850. The higher your score, the stronger your credit profile is considered to be.
Here is a general breakdown of the ranges:
- 300 to 579: Poor
- 580 to 669: Fair
- 670 to 739: Good
- 740 to 799: Very good
- 800 to 850: Excellent
A higher credit score can make it easier to qualify for credit and may help you receive better interest rates and terms. Your credit score can also be considered for certain other financial products and services.
What Credit Score Does Chase Show?
The Chase credit score shown through Chase Credit Journey is based on information from Experian. The score provided may not be exactly the same score a lender sees when you apply for credit.
Many lenders use FICO scores, while Chase Credit Journey provides a VantageScore. Because different scoring models can calculate scores differently, it is normal for the number you see in Chase to differ slightly from the score provided by a lender.
For this reason, use your Chase credit score as a useful way to monitor your credit rather than assuming it will always match a lender’s score.
Review Your Credit Score Breakdown
After checking your Chase credit score, you can also look at the score breakdown to get a better idea of what is affecting your credit.
The Chase Credit Journey section provides additional information about your credit profile and can help you understand the factors contributing to your score.
You may also see an option to confirm your income. Chase can use income information when considering you for certain credit-related opportunities, such as a potential credit limit increase. Providing this information is optional.
How Often Should You Check Your Chase Credit Score?
For most people, checking your Chase credit score once a month is enough. Regular checks can help you notice unexpected changes or potential problems early.
You do not need to pay for a separate credit monitoring service just to keep an eye on your score. Free services can provide additional ways to monitor your credit, including scores from different credit bureaus.
To check your Chase credit score again after enrollment, simply open the Chase app, tap “More,” go to “Track Your Finances,” and select “Free Credit Score.”
You can then view your latest available score without going through the enrollment process again.
