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Understanding your credit score

Understand your credit score

The term credit score gets a lot of buzz and may leave you wondering why it all matters.
Simply put, your credit score is a number that summarizes your credit report and helps lenders determine your likelihood to repay a loan.

How to check your credit score

You’ll want to make sure your credit reports are accurate and up to date before you apply for a mortgage.

Check your credit score and credit report for free once every 12 months at each of the 3 major credit-reporting agencies, or use Chase Credit Journey to regularly track your score and learn about the  actions you can take to improve it.

Here's how to contact each of the 3 major credit-reporting agencies:

Use Chase Credit Journey to monitor your financial health

Stay up to date with your credit info using our free Chase credit journey service, which offers:
 

  • Unlimited access to your VantageScore and credit report
  • Alerts about critical changes to your credit report
  • A score simulator that helps you identify how financial decisions will affect your credit


Please note: Your VantageScore is an informational credit score and may vary from a FICO® Score provided by credit reporting agencies. Decisions about your loan application will likely be made using your FICO credit score, as well as other information you provide.

Move on to finding a home

How much home can you afford?

Take the first step and get prequalified.

Ready to apply?