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Get your credit score with Chase Credit Journey®. It’s free for everyone!


It’s so much more than a free credit score. Get your free score now with no impact to your credit.

Credit score goes from 300 to a good score of 720

Get started with Credit Journey®


Check your credit score


Check your score anytime without impacting your credit. We update your score regularly and tell you what’s changed.



Improve your score


Users who successfully achieve their plan goal improve their score by an average of 20 points or more.



Get help protecting your information


Get notified if we see that your personal info is used or stolen online, plus receive round-the-clock personal support.


You can use Credit Journey to check your score with no impact to your credit

If you’re new to credit, we’ll help you get started on your financial journey

We’ll help you learn the basics of how to start building your credit.


Ways we can help you build credit

Tips for growing credit


We’ll guide you on what steps to take to start building your credit and how to stay on top of it.



See score factors and details


We’ll help you understand your score better by showing how it’s impacted and why it goes up and down.



Helpful tools and resources


Get access to tools and a full library of articles and videos to learn about improving your financial health.

Join us for our Credit Talk podcast

Former NFL star Victor Cruz sits down with guests from a variety of industries to chat about how their life experiences have affected their financial journey. In each episode, listeners will learn about the importance of credit to help empower them in their own financial future.


Your credit score is a number that represents a snapshot in time of your credit history, which lenders use to help determine how likely you are to repay a loan in the future. In a typical scoring model, your score generally ranges from a low of 300 to a high of 850. The higher the credit score, the better a borrower looks to potential lenders. There are different credit scoring models that may be used by lenders and insurers.

Credit Journey uses VantageScore 3.0® by Experian™. Your lenders (including Chase) may not use VantageScore 3.0, so the score they provide you may be different than the one you see in Credit Journey.

Checking your credit score on Credit Journey does not lower your credit score. We access your credit information using a soft inquiry, also known as a soft credit check, which does not impact your score.

With Chase Credit Journey, you can check your VantageScore 3.0 credit score as often as you’d like with no impact to your credit. You can also receive your credit report directly from the three credit bureaus (Experian, TransUnion® and Equifax®) at no cost once a year.

Each lender is different, but generally speaking, if you have a score above 720, you'll have access to better borrowing rates. Scores above 800 are rated as exceptional.

We recommend checking your score regularly to keep track of your credit activity. With Credit Journey, we’ll let you know details of why your score changed and will send alerts when we spot new activity or changes to your credit report.

No, you don’t have to be a Chase customer to enroll.

Need help?


Our support lines are ready around the clock to help when you need it.