Seeing such a huge difference in score from one site to another can be confusing, so what should you do? How to make sure you see an accurate credit score However, seeing a large change in your credit score may be an indication of something else - missed payments, outstanding balances, an unauthorized person applying for credit in your name, etc. Technically, the only score that really matters will be the score a lender sees when deciding whether to extend credit to you. My VantageScore number is 41 points lower than my FICO score - still lower, but a less drastic difference than what Brian saw.ĭo these score differences matter? It depends. However, not everyone will experience such large differences between their FICO and VantageScore numbers. This is because the scores are composed in a different way. For this reason, in these cases, it is best not to apply because we will not be able to pass the review.In Brian's experience, scores based on VantageScore are 100 points lower than FICO-based scores, which are what lenders tend to use. Chase will most likely reject our application if we have five or more. One of the most important factors that Chase will consider is the number of credit cards we have obtained in the past 24 months. It is because Chase looks at several other factors besides the credit score. However, it should be noted that a credit score of 670 or lower will not guarantee us approval for our credit card. Most applications with this score are successful, and many applicants have scores as high as 700. We should note that for either the Chase Freedom Unlimited or Flex cards, we will need to have a credit score above 670. What score do we need to qualify for a Chase Freedom Credit Card? We have to log into the Chase website and look for the free tool. This app can be used even if you are not a current Chase customer, and you will be able to sign up for the app in a really easy way. From there, we will be able to see the credit and everything related to the features of the C hase Credit Journey tool. Next, we can select the “ Credit score ” option. However, those with business bank accounts cannot access this part of the mobile app, so we will have to do it online.įirst, we must access our Chase account through the mobile app. We can access our credit score history easily through the Chase mobile app. In this way, we can see how each factor will affect our credit score and simulate what happens if we make late payments or any other factor. ![]() We can use the factors at the bottom of the page to see how credit scores are affected. This tool will be located at the bottom of the home page, and there we will have to select “ Try our Score Simulator ,” and there, we will be able to simulate our score. It is another tool that Chase will offer us to understand the factors affecting our credit scores. Some points may be at zero, and we can see each aspect much simpler and faster. If you want to see any of them in more detail, we can click on the “Explore factor details” button, and there we can find the details of each of the factors. Note that if you scroll down the page a little further, you will see the six factors that influence the credit score. ” We will then see a graph of the last six months of activity. ![]() It will automatically show us our current credit score, but if we want to see the credit history, we must click “ Over Time. When we enter this tool, we can see our credit score on our screen immediately. There we will be able to select the option to get our free score which will be updated weekly.Ĭheck ➤ How do I Get Rid of Credit Card Debt without Paying? Looking on the left side, we can find the “ Your credit score ” option. To verify our credit score, we must log into our Chase Online account. It is normal, but we don’t have to worry about it because it will always be valid. There are different providers, and our credit score may vary across the three credit bureaus. It will be different than the FICO score, but it is just as valid. In this application, we can check our score through TransUnion. We will be able to use the free Chase Credit Journey tool, which allows us to always keep our credit history monitored and see our activity. What tool does Chase offer us to check our credit score? ![]() What score do we need to qualify for a Chase Freedom Credit Card?.How to check credit score on Chase app?.What tool does Chase offer us to check our credit score?.
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