Credit Journey - Free Credit Score from Chase

[StormRichards]

Received an email about this today. Not necessary to be a Chase customer.

https://creditcards.chase.com/free-credit-score?

[disneysteve]

I think it's great that scores have become more easily available. Not that I care, but I still like seeing it on our Discover bills every month. I just get a tiny bit annoyed that my wife's is always better than mine by a few points, likely because more stuff is in my name.

Last month, hers was a perfect 850 and mine was a measly 842.

[StormRichards]

I think it's great that scores have become more easily available. Not that I care, but I still like seeing it on our Discover bills every month. I just get a tiny bit annoyed that my wife's is always better than mine by a few points, likely because more stuff is in my name.

Last month, hers was a perfect 850 and mine was a measly 842.

When I saw the e-mail, I was hoping it was just something they were going to add to my statement. Not something I would need to enroll in. I didn't see any catches, other than having to supply personal information on yet another website. However, I don't do that without putting some thought into the benefits or necessity of it.

Not sure if the benefit to this is anything more than satisfying my curiosity.

[rennigade]

Thats lame you have to enroll. Its nice with discover...they just show you it.

Although in general I think the entire credit score thing is a joke and doesnt amount to much.

My score last time I looked was around a 770...and it varies between 770 and 780. Wifes score is also around the same. No debt...never missed a credit card payment ever, always paid in full, wife never had student loans...I paid mine off 10 years ago, no car loans, no mortgage...sign up for a bunch of credit cards yet it rarely changes only by a couple points. Its meaningless as far as im concerned.

Now if someone has a 500 credit score...yea that sucks...I just dont see a difference from the highest score you can get vs something around what I have?

[disneysteve]

I just dont see a difference from the highest score you can get vs something around what I have?

There are a few tiers. Within the tiers, there really is no difference. It's only when you move between tiers that it can affect things.

[james.hendrickson]

Received an email about this today. Not necessary to be a Chase customer.

https://creditcards.chase.com/free-credit-score?

That link works, I signed up. The data is based on Experian. The neat thing about it is they have a similar tool which allows you to explore various options for improving your credit score.

I think the downside is they probably add your information to a mailing list, so likely you'll get some mailings and or emails with Chase products or Chase partner products.

[StormRichards]

I decided to sign up. It is powered by TransUnion, not Experian.

My score is 817