You cannot get a free FICO score from Chase, but you can get a free VantageScore credit score through a Chase Credit Journey account. Chase offers free credit scores using the VantageScore 3.0 credit-score model and credit reports from TransUnion.
Anyone can enroll in the Chase Credit Journey program. You don’t need to have a Chase credit card or another Chase account to be eligible. Once you have created your account, you can see updates to your score on a weekly basis.
If you want more frequent updates and more than just a free credit score, you can create a free WalletHub account. You’ll get daily updates to your VantageScore credit score and TransUnion credit report, along with free credit monitoring and personalized credit-improvement tips. As long as you’re checking your credit score regularly, it does not matter which scoring model you use.
The main exception to the rule is the Chase Freedom® Student credit card, which is available to students with limited credit or better. Still, the higher your credit score is, the better your Chase credit card approval odds will be.… read full answer
Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply.
You’ll know within seconds if you’re pre-approved for any Chase credit cards. There’s no guarantee you’ll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or “soft pull” on your credit report, which means there’s no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.
Many people think FICO Scores and credit scores are one and the same. But FICO is just a well-known brand name among a diverse group of credit-scoring companies that produces more than 1,000 different scoring models. And the acronym, which stands for Fair Isaac Corporation, isn’t all that defining, anyway. A single person can have … read full answerup to 49 different FICO credit scores.
Finally, it’s important to remember that lenders use a variety of scores to evaluate applicants. And they typically tailor models to their specific industry and organizational needs. For example, certain scores are customized for auto loans. Others are modified in-house and aren’t available to the public. But while the specifics of the many models vary, a solidly “good” score by one rating system is usually considered “good” by most others, too.
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