![]() ![]() Essentially, it indicates to potential lenders how likely you are to pay back the money they’ll loan to you. identity theft - how to know the difference Why is a credit score important?Īs mentioned before, your credit score is a numeric representation of your creditworthiness. The earlier you’re made aware of identity theft, the sooner you can take the steps necessary to get your life back - and Credit Journey can help you do just that. Millions of people suffer from identity theft each year, and it can sometimes take years to recover from the damage of having your identity stolen. Many other companies charge for these services, but Credit Journey offers them for free. While credit monitoring keeps track of fraudulent activity on your credit report, identity monitoring offers dark web surveillance, data breach monitoring, social security number tracking and identity verification alerts. In addition to credit monitoring, Credit Journey also provides free 24/7 identity monitoring. Protect your identity (for free) with 24/7 identity monitoring However, the most important step may be a proactive one - enrolling in Credit Journey. In the unfortunate event that one of your cards is used fraudulently or someone tries to apply for credit in your name, there are steps that you can take to make it right. ![]() This means you'll be immediately notified of changes or new activity linked to your identity. That’s why Credit Journey comes with just-in-time alerts, so you’re never in the dark about what’s going on with your credit score. ![]() The sooner you see something you don’t recognize in your report, the more quickly you can address it. When issues arise with your credit report or score, you’ll want to know about them immediately. In fact, thanks to 24/7 credit monitoring, your score is updated weekly and whenever there's a change to your credit report, and you can be alerted of this change to make sure it’s accurate.Ĭredit Journey also allows you to view your credit usage, limits and balances, and you’ll receive a monthly summary with helpful tips - all conveniently presented in a single location at no cost to you.ĭRAGONIMAGES/GETTY IMAGES Get up-to-the-minute credit monitoring alerts But when you use Credit Journey, you can check your score at any time, and doing so won’t affect your credit. TPG recommends - among other regular tasks - that you check your credit score every month to stay on track with your credit card spending. Your score consists of several factors, including your payment history, your ratio of debt to available credit and the age of your credit history. In other words, it tells potential lenders how likely you are to repay your debts and is thus the gateway to many opportunities to borrow money. Your credit score ranges from 300 to 850 and is an indicator of your creditworthiness. ![]() Check your score for free every week - with no impact on your credit Here are some of the key features you can use with Credit Journey. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. Here is your comprehensive guide to Chase Credit Journey and how you can use it to take control of your credit.įor more TPG news delivered each morning to your inbox, sign up for our daily newsletter. The ability to borrow money through home loans and even credit cards is also an important tool in wealth building.īut what if you don’t know where to start to even begin understanding your credit?Įnter Chase Credit Journey, a free, all-in-one credit tool designed to give you full access to your credit - including your credit report and score alongside credit and identity monitoring - all for no cost.Īnd the best part? It’s available to everyone, even if you don’t currently bank with Chase or have one of its credit cards. Your credit score tells lenders - and potential landlords - about your spending history and habits, and it indicates how likely you are to pay your bills on time. It can often make the difference in getting a home or car loan, or even successfully renting an apartment. Good credit grants you more than just the ability to open premium credit cards. ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |