Free FICO Score from Chase Credit Cards

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fico_chase_slate0This post provides updated information and instructions regarding the free FICO score that is available to select Chase credit card holders.

Background. Chase started offering free FICO® scores to select US cardholders in March 2015. In addition to your FICO® Score, their Credit Dashboard will provide a score history as well as detail the factors that go into calculating your score. Currently, only their Chase Slate® card offers this feature. There have been no announced plans to expand this feature to other Chase cards.

FICO Score details.

  • FICO Score version: FICO Score 8, or FICO 08. This is the most widely used of the many FICO flavors. Score version is based on various reports and their participation in the FICO Score Open Access Program.
  • Credit bureau: Experian
  • Update frequency: Monthly
  • Limitations: Available only to select Chase credit cards. The current list is only one card:

How to find the score. You can find the free FICO score on your online account access. If you cannot find it and you opened your account prior to April 2015, you may need to contact Chase Customer Service (secure online message is recommended) and specifically request access to the FICO score and Credit Dashboard feature. This feature was first rolled out to new customers and later existing customers.

I don’t have this card myself (anymore), but I did find some images provided by users on the myFICO forums. After logging in, look on your right sidebar for information regarding your “Credit Dashboard”. See screenshots below (click to enlarge):


You will be shown your current FICO score, a historical score chart, and key factors impacting your score (click to enlarge):


You will also be shown more detailed information based on your Experian credit report, such as your current credit utilization ratio:


Fine print:

Your FICO® Score displayed is for your educational purposes and based on data from Experian. It may be different from other credit scores used by Chase and other lenders in making credit decisions. This information is available online only at to primary cardmembers with an open account, provided Experian has sufficient credit history in a credit file for a FICO® Score to be generated. Once approved for the Slate card, it may take up to seven days for your FICO® Score and related information to be available on Chase reserves the right to make changes or discontinue this feature at any time. FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

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  1. Heads up: Not all Chase cardholders can get this deal. I’ve been a Sapphire Preferred cardholder for at least several years now, and this is the message I got back when I asked about FICO score access:

    Thank you for contacting Chase about your FICO score and
    the Dashboard for the account ending in 5369.

    We’re sorry, we’re not able to offer the Credit Profile
    and FICO score benefit, and the dashboard offer is not
    available at this time. You can request a copy of your
    credit report from the credit reporting agencies below:

    PO Box 740123
    Altanta, GA 30374
    Phone: 1-800-685-1111

    PO Box 2002
    Allen, TX 75018
    Phone: 1-800-397-3742

    PO Box 2000
    Chester, PA 19022
    Phone: 1-800-888-4213

    If you have any further questions, please reply using the
    Secure Message Center.

    Thank you,

    Customer Service Specialist

    • The post explains that the free FICO score is only open to select cardholders, specifically currently only Chase Slate cardholders. When that changes, I will update the post.

  2. Simon @ CafeCredit says

    Paging Citibank… hello Citibank… please add this feature 🙂

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