Home › Credit › Free credit score services › Credit Karma vs Chase Credit Journey
Both show a free credit score, but the model and bureau can differ, so the numbers may not match. Here's what each says on its own page.
| Credit Karma | Chase Credit Journey | |
|---|---|---|
| Score model | VantageScore 3.0 | VantageScore 3.0 |
| Bureau data | Equifax and TransUnion | Experian |
| Cost | Free | Free |
| Credit report included | Yes (Equifax and TransUnion) | Yes (Experian) |
| How often it updates | not found | Eligible every 7 days, at least monthly |
| Who can use it | not found | Anyone 18+ with a US address and SSN; no Chase account needed |
Sources: Credit Karma page (checked 2026-10-12) · Chase Credit Journey page (checked 2026-10-12)
More on Credit Karma · More on Chase Credit Journey · All free credit score services
Score model: Credit Karma VantageScore 3.0, Chase Credit Journey VantageScore 3.0; Bureau data: Credit Karma Equifax and TransUnion, Chase Credit Journey Experian; Cost: Credit Karma Free, Chase Credit Journey Free; Credit report included: Credit Karma Yes (Equifax and TransUnion), Chase Credit Journey Yes (Experian); How often it updates: Credit Karma not found, Chase Credit Journey Eligible every 7 days, at least monthly; Who can use it: Credit Karma not found, Chase Credit Journey Anyone 18+ with a US address and SSN; no Chase account needed.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.