<prompt> Human: Hello all,Recently I found out that my bankChase, has a journey credit tracking system through transunion. When I looked at it as I surprised to see it was 22 points higher than what my Barclays credit card FICO credit trackers said. I was wondering which would be more accurate in terms of financial planning as I think this would make a difference in qualifying for certain loans.  <response>: Journey uses Vantage scoring system, not FICO. So they are different credit scoring systems and shouldnt be compared as if they are the same. 