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Now you can track your FICO® Score in the Chime app, for free!

We know how important it is to monitor your credit score. That’s why we’ve brought your FICO® Score to the app, for free!

Chime Team • September 16, 2021

chime launches FICO Score in app for free

Did you know: 90% of top lenders use FICO® Scores¹ as the credit score gold standard. As a member with the secured Chime Credit Builder Visa®Credit Card, you can now view your  FICO Score, powered by Experian®, in the app for free. We’ll also send out score updates, because we love keeping you in the loop. With Chime, it’s never been easier to monitor your credit score which is the first step to actually improving your credit score.

In This Article

  1. How do I see my FICO® Score?
  2. Why a good credit score is a good thing
  3. Can Chime help me improve my credit score?
  4. How often is my FICO® Score updated in the Chime App?

How do I see my FICO® Score?

Got Credit Builder? Great! 

In the Chime app:

  1. Go to Settings
  2. Under Credit Builder Card, tap “View FICO® Score”
    Note: If you don’t have an Experian account, you’ll be asked to create one. 
  3. We’ll alert you every time we update your FICO Score in the app

Still need to see if you’re eligible for Credit Builder²? That’s easy! Just tap Settings to see if you’re eligible and access an easy sign-up process.

How to check your FICO Score in the Chime app for free

Why a good credit score is a good thing

On the 300-850 scale used by FICO®, a good credit score is about 670. Ok, so what does this mean in terms of the real world? Having a good credit score can make it easier to get a lower interest rate on different types of loans. Essentially, having good credit can make life more affordable. 

So, if you have plans to upgrade your car, apartment, or business, it starts with a good credit score. And your best move is to use Chime’s Credit Builder card.

Can Chime help me improve my credit score?

Yes! That’s the entire point of Credit Builder. Chime is your one-stop shop for helping grow your credit³ and tracking your FICO® Score. As you use Credit Builder for everyday items such as gas, groceries, subscription services and make regular on-time payments³, these purchases can help you build credit over time. Learn more about how Credit Builder helps you build credit on our blog. 

Whatever your money goals are, we’re always building features that make it easier to stay on track and reach them.

How often is my FICO® Score updated in the Chime App?

Chime will send score updates to let you know when your FICO® Score is updated in the app to keep you in the know. 

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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1 FICO® Scores are developed by Fair Isaac Corporation. The FICO Score provided by ConsumerInfo.com, Inc., also referred to as Experian Consumer Services ("ECS"), in Experian CreditWorks℠, Credit Tracker℠ and/or your free Experian membership (as applicable) is based on FICO Score 8, unless otherwise noted. Many but not all lenders use FICO Score 8. In addition to the FICO Score 8, ECS may offer and provide other base or industry-specific FICO Scores (such as FICO Auto Scores and FICO Bankcard Scores). The other FICO Scores made available are calculated from versions of the base and industry-specific FICO Score models. There are many different credit scoring models that can give a different assessment of your credit rating and relative risk (risk of default) for the same credit report. Your lender or insurer may use a different FICO Score than FICO Score 8 or such other base or industry-specific FICO Score, or another type of credit score altogether. Just remember that your credit rating is often the same even if the number is not. For some consumers, however, the credit rating of FICO Score 8 (or other FICO Score) could vary from the score used by your lender. The statement that "90% of top lenders use FICO Scores" is based on a third-party study of all versions of FICO Scores sold to lenders, including but not limited to scores based on FICO Score 8. Base FICO Scores (including the FICO Score 8) range from 300 to 850. Industry-specific FICO Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies — the Experian credit bureau, TransUnion® and Equifax® — that maintain a record of your credit history known as your credit report. Your FICO Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your FICO Score may also change.

2 To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.

3 On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

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