Who should use Chase Credit Journey®?

Quick insights

You may have heard of Chase Credit Journey, a free online tool that allows you to get your free credit score with no impact to your score. But what is it exactly? And will it be helpful for you?

Let's dive into some of the categories of people who might find Chase Credit Journey useful.

Starting out with Credit Journey

Maybe you never really understood what credit is—that's okay! Personal finance is not something everyone inherently understands. That's why enrolling in Credit Journey may be useful for those just starting out on a financial path.

When you enroll, you'll receive access to your free credit score, regardless of whether you bank with Chase or not. Chase Credit Journey can guide you through the process of understanding what credit is, why it matters, what your score means and the factors that can impact it. Learning this information in an easy-to-use, visual platform may help break down the complexities of credit.

First-time home buyer

Looking to buy your first home? Purchasing a home can be a big step, but Chase Credit Journey  offers information. Part of that guidance may help you to prepare a good credit score. Your lender will assess whether you are financially reliable and a low risk. This can include having solid payment history and a good credit history, which are some key factors that go into calculating your credit score.

Getting a loan

Considering taking out a loan for school? Or maybe you need an auto loan to buy your next car. For whatever reason you’re considering a loan, understanding your credit score beforehand may help you feel more informed going into the process. Chase Credit Journey gives you access to your free credit score and shows how factors like taking out a loan could affect it over time. You'll also learn how your credit score affects the total cost of your loan, including the kind of interest rates you may be eligible for.

Refinancing a loan

Maybe you already took out a loan, but you are considering refinancing it so you can pay off some other bills. When you enroll in Credit Journey, you'll get access to many tips to help manage your finances including ways to refinance a loan.

Credit Journey also offers tools like Credit Insider, a suite of educational materials and articles tailored to your needs. These include topics on credit essentials, building your credit and protecting against risks.. It may also show how financing a loan could impact your credit score and ways to improve it if it gets negatively impacted.

Paid off your loan

Just paid off your student loan bills? Finished your car payments and got the title to your vehicle? Because payment history can play a large role in calculating your credit score, paying off loans could cause your credit to fluctuate. If you have a history of missed or late payments over time, Credit Journey can help unlock insights into ways to help rebuild your score, as well as ways to approach your financial health now that you've paid off your loan.

Entrepreneurs

Have you been making some money on your business idea, but don't know how to manage it or have the financial knowledge about how this could affect you? Enrolling in Chase Credit Journey may help jumpstart your financial knowledge so you can make proactive choices about your business. Learn, for example, how your income may help improve your chances of getting approved by lenders. You may also want access to credit monitoring and identity monitoring services to keep track of your information as you learn and grow.

Retirees

Perhaps you've had a long, meaningful career and saved some money—but now you're ready to relax and enjoy your golden years. However, you want to maintain a good credit score and you're not sure how financial institutions might assess your creditworthiness now that you have retired. 

You might be wondering what approaches you can take to ensure that your credit remains healthy as you enjoy your time as a retiree. Chase Credit Journey offers insights and tools for everyone, no matter what stage of life—including those who are no longer earning an income.

In summary

Credit is important, no matter where you are in life. Chase Credit Journey may be useful for anyone looking to enhance their financial knowledge and to take the next step on their path to financial wellness.

Whether you're about to buy a home or you're considering applying for your first credit card, your credit score can be an important piece of information. Enroll today to get access to resources, tools and more.