When should I use Chase Credit Journey®?
You’ve just turned 18 and you’re looking to get your first credit card. Perhaps you’re taking out student loans so you can go to college, but you’re not sure where to begin. Maybe you’re looking to buy a new home and you’re just realizing that you’ll need a good credit score to get approved for a mortgage with a reasonable interest rate.
These are just a couple of the many life moments and stages where enrolling in Chase Credit Journey may be valuable to you.
Life comes with many highs, lows and stages where you might consider making large investments, purchases or saving for the future. Whether you’re just starting out or want to maintain or improve your score, Chase Credit Journey is here to guide you, no matter what you’re facing. It’s a free online tool anyone can use to access their credit score and find resources to better understand their credit.
Below are some examples of life’s biggest moments where you may want to enroll in Chase Credit Journey.
New to credit
You’ve probably heard about all the perks and rewards that come with credit cards, but you have no idea where to start—what is credit? What’s credit history? What is a credit score, and how does it get calculated?
You might be pondering these questions and more as you take your first step into your credit journey. This is an excellent time to enroll—not only will you get a free credit score, but you’ll get access to tons of educational resources to help break down the complexities of credit and help you make smarter decisions. This tool will elevate your financial knowledge and help you make healthy financial choices right from the start.
Looking to maintain your credit
Already have a credit card? Great! Is your account with a bank other than Chase? No problem. Regardless of where you bank, you can enroll in Chase Credit Journey for free to get your credit score and learn about the factors that affect it. Maybe you’re happy with your current score, but you’re concerned how buying your next vehicle might affect it. Chase Credit Journey will help you visualize your short-term and long-term goals so that you can make smart financial choices that better prepare you for the future.
Check your credit score for free on Chase Credit Journey
Want to check your credit score for free, with no stress and whenever you want? This is a perfect time to enroll. Your credit score is an essential part of your financial knowledge, and we want you to feel empowered and ready to take on all that life throws at you. With Chase Credit Journey, you can get access to your free credit score and an Experian® credit report to help build your credit foundation. You can check your score—which updates every 7 days if you check it frequently—anytime without impacting your score.
You’re concerned about protecting your credit
Perhaps your information was found in a data breach, or you’re about to travel to a new country and you want to ensure that your credit card information stays protected while you’re away and not regularly checking your account. This is a great time to enroll in Chase Credit Journey because you can keep track of your score with free credit monitoring services and receive notifications about any changes. You’ll also get access to identity monitoring services, so if your information is found on the dark web or in a data breach, you’ll be notified right away and you can speak with an agent to take precautionary measures.
You have a poor credit score that you want to improve
Do you already have a credit score, but realize that it’s lower than you’d like it to be? It’s possible that you’ve missed recurring payments, have poor credit utilization, filed for bankruptcy or have a negative remark on your report. All of these can hurt your score, making it difficult to get approvals for loans or new credit cards.
We get it, it can be incredibly intimidating to look at your credit score and wonder how you'll ever be able to boost it—but this is where Chase Credit Journey can set you on the right path. We’ll help you through every step of the way. You’ll have access to a range of free resources that will break all these factors down and give you tips for how to improve your score. Set goals and track your credit score regularly without any negative impact to your score.
Confused about your credit report
OK, you have a credit card and you understand your credit score. But wait, what’s this negative remark doing on your report? What does it mean and how will it affect you?
If you’re puzzled by what you see on your credit report, it’s time to enroll in Chase Credit Journey. No question is too big or too small for us. We’ll even give you a dispute guide to help remove errors on your credit report.
Concerned that there might be suspicious activity? Have no fear—with Chase identity monitoring services, you’ll get notified of any strange activity as well as potential fraud alerts. This service is free when you enroll and is a proactive way of protecting your credit score and your sensitive information.
How often should you check your credit score on Chase Credit Journey?
Checking your credit score is a great healthy habit to build as you start your financial journey. Let’s say you’re looking to buy a home—you’ll not only want to ensure you’re achieving your savings goal, but you’ll want to keep an eye on your credit to make sure it’s in good shape for applying for a mortgage. The same applies to any other major loans you’d like to take out. Or maybe you don’t have a major life milestone right now, but want to prepare for the future you. If you have a thin profile or you’re new to credit, making small purchases over a period of time will help build your profile and strengthen your score. These are just some of many reasons why it’s a good idea to check your credit score on a regular basis and maintain good creditworthiness.
While your credit score may not change significantly day by day (or even week by week), with Chase Credit Journey you can look up your score anytime you’d like. Checking your free credit score won’t harm the score itself, but it may bring you peace of mind.
When should I check my credit score?
Now that you know that you can check your free credit score anytime with no impact to your score, you might be wondering—when exactly should I be checking on my score?
It will be helpful to have knowledge about your credit score when you’re about to embark on a new life journey—whether that’s taking out a mortgage, student loans, looking to buy a new car or wanting to travel to a new country. At each of these important life moments, you’ll want to stay proactive about your credit so that you can enjoy your life without fear about your credit score. Overcome barriers to the things you want most by improving your score so that you can get better interest rates, top credit cards and more.
Enroll in Chase Credit Journey today!
In truth, there is no “wrong” time to join Chase Credit Journey. Whether you’re just starting out with a new credit card or looking to purchase a new home, this free online tool will help you confidently navigate the full spectrum of life’s financial journeys. Enroll today to improve financial wellness, unlock important insights and ensure your account is safe and secure—all through a stress-free platform you can access on your phone, tablet or computer. This a journey you'll want to take.