How to Check Your Credit Score With Chase, Amex, and More

How to Check Your Credit Score With Chase : Today you can get free credit scores from many websites that offer them; you just have to sign up for an online account. Many credit card companies offer them too — some even offer them to everyone, even if you’re not a cardholder. 

 

If you are eligible, you will be able to get a free FICO or VantageScore from one of the three major credit bureaus. You can sign up for more than one of these services so that you get a better picture of your score across all bureaus.

American Express

The American Express primary cardholder can access an Experian FICO 8 credit score, provided there is enough account activity in a billing month to receive a billing statement. If you haven’t used your card for the month, however, you won’t receive a credit score. 

 

New Cardmembers can access their FICO scores within 24–48 hours. You can access your credit score by logging into your American Express online account.

 

The TransUnion VantageScore 3.0 (and access to TransUnion credit reports) is available for all consumers at no additional charge through MyCredit Guide, which updates its credit scores weekly2.

Bank of America

The Bank of America credit cards will allow you access to your TransUnion FICO scores for free. Log into your online account to view your free TransUnion FICO scores, which are updated monthly.

Barclays

You can gain free access to your TransUnion FICO credit score by logging into your online account, which is free for Barclays cardholders. Check the terms of your credit card.

Capital One

Capital One’s CreditWise tool allows consumers to view their VantageScore 3.0.4 and CreditWise login information. Capital One cardholders may use their Capital One login information to reach CreditWise.

Chase 

A free credit score from Chase was previously only available to holders of its Slate card. With the launch of Chase Credit Journey, the service is now available to all consumers—not just those who have a Chase credit card.

Creating an account will give you access to your TransUnion VantageScore 3.0.

Citi

You can obtain a free credit opinion by connecting with Citibank. If you’ve already got a Citibank credit card, you will receive a free Equifax credit score each month by logging into your account.6

Discover

Credit Scorecard for Experian gives everyone the ability to see what their credit score is at any given time. Your credit score is updated at least once every thirty days when you log on to your Discover account.

U.S. Bank

By logging into their TransUnion online account, U.S. Bank cardholders can get their free TransUnion credit scores each month.8

Wells Fargo

Primary Wells Fargo cardholders have free access to their Experian 9 credit score, which is updated monthly, as well as tips to help them increase their score.

Taking Advantage of Free Credit Scores

Free credit scores you get online aren’t necessarily the same as the scores lenders will pull to determine whether to approve your application. Lenders typically use a credit score specific to their industry while online consumer credit scores are for education purposes only.

 

Your credit score is a snapshot of your financial history at a particular point in time. Credit reports, which serve as the basis for your credit score, change often. Anything that has changed since you’ve pulled your credit report can also cause a change.

 

Free credit scores are great for keeping tabs on how your credit is changing, but purchasing an industry FICO score will provide you with a better picture of what a bank will see if you apply for a loan or credit card.

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