Bank of America shows your credit score free through CreditWise

Bank of America customers can see their credit score at no cost through CreditWise, a tool built into the Bank of America mobile app and online banking portal. You do not need to pay for a separate service or sign up for anything beyond your existing account. The score updates monthly and comes from TransUnion, one of the three major credit bureaus.

To access it, log into your Bank of America account on the website or app, look for the credit score section (usually on the dashboard or under a "Insights" or "Credit" tab), and select "View Credit Score." The exact location varies slightly depending on whether you use the mobile app or desktop site, but it is always free and does not require a credit card application or additional enrollment.

CreditWise also shows you factors affecting your score — like payment history, credit utilization, and length of credit history — so you can see what is helping or hurting your number. This information updates monthly, typically around the same date each month.

Key Takeaways

  • Bank of America customers can view their credit score free through CreditWise in the mobile app or online banking portal without any additional sign-up.
  • The score comes from TransUnion and updates once per month, showing you the factors that influence your credit rating.
  • CreditWise is included with your Bank of America account and does not require you to apply for a credit card or other product.
  • If you do not see the credit score option in your account, you may need to update your app or contact Bank of America support to enable it.

Where to find the credit score in your Bank of America account

On the mobile app, open Bank of America, tap the menu icon (three horizontal lines), and look for "Credit Score" or "Insights." Some versions show it directly on the home screen under a "Credit" section. Tap it to see your current score and a breakdown of what is affecting it.

On the desktop website, log in and look for a "Credit Score" widget on your dashboard, or navigate to "Accounts" and then "Credit Score." If you do not see it immediately, scroll down — it may be below your account balances. Click to view your full score and the factors influencing it.

If the credit score section does not appear in your account, your account type may not have access yet, or you may need to update your app to the latest version. Contact Bank of America customer service at 1-800-432-1000 to confirm whether your account is set up to use CreditWise.

What information CreditWise shows you

CreditWise displays your credit score (a three-digit number typically ranging from 300 to 850), your score range (showing where you fall compared to other consumers), and a trend indicator (showing whether your score went up, down, or stayed the same since last month). It also breaks down the factors affecting your score into categories like payment history, credit utilization, length of credit history, credit mix, and recent inquiries.

Each factor shows a status — for example, "Payment history: Excellent" or "Credit utilization: Needs improvement" — so you know which areas to focus on if you want to raise your score. This is useful for understanding what actions (like paying down balances or making on-time payments) will have the most impact.

The score you see in CreditWise is a VantageScore model, not the FICO score that many lenders use. Your actual FICO score may differ, but the VantageScore gives you a reliable snapshot of your credit health and trends over time.

How often your credit score updates

CreditWise updates your credit score once per month, usually on the same date each month. The exact date depends on when your credit report information is pulled from TransUnion, but Bank of America typically refreshes it between the 1st and the 15th of each month.

You can check your score as often as you want — viewing it does not hurt your credit or trigger a hard inquiry. Only applications for new credit (like a loan or credit card) trigger a hard inquiry that can temporarily lower your score. Checking your own score through CreditWise is a soft inquiry and has no negative effect.

Differences between CreditWise and other credit monitoring services

CreditWise is a basic credit monitoring tool included with your Bank of America account. It shows your score and the main factors affecting it, but it does not include features like fraud alerts, identity theft monitoring, or the ability to dispute errors directly through the tool. If you want those protections, you may need to sign up for a separate credit monitoring service or use the free annual credit report from AnnualCreditReport.com.

Other credit monitoring services (like Credit Karma, Experian, or Equifax) may show scores from different bureaus and offer more detailed alerts and dispute tools. Many are free, but some charge a monthly fee for premium features. CreditWise is useful for regular check-ins on your score, but it is not a replacement for a full credit report review or identity theft protection if that is a concern for you.

You can use CreditWise alongside other services — there is no harm in checking your score from multiple sources. In fact, monitoring your score from different bureaus (TransUnion through CreditWise, Equifax through Equifax.com, and Experian through Experian.com) gives you a more complete picture of your credit health.

What to do if you cannot see your credit score in your account

If the credit score section does not appear in your Bank of America account, first check that you are using the latest version of the mobile app or that your browser is up to date on the website. Log out completely and log back in to refresh your session.

Not all account types have access to CreditWise — some older accounts or accounts that do not meet certain criteria may not have the feature enabled. Call Bank of America at 1-800-432-1000 and ask whether your account is set up for CreditWise. If it is not, they can sometimes enable it, or they can direct you to other ways to check your credit score.

If you have a Bank of America credit card, you may also be able to see your credit score directly on your credit card statement or in the credit card section of your account, even if the main CreditWise tool is not available.

Frequently Asked Questions

Does checking my credit score in Bank of America hurt my credit?

No. Viewing your own credit score through CreditWise is a soft inquiry and does not affect your credit rating. Only hard inquiries — which happen when you apply for a loan, credit card, or other credit product — can temporarily lower your score.

Is the CreditWise score the same as my FICO score?

No. CreditWise uses a VantageScore model, which is different from the FICO score that many lenders use. Your VantageScore and FICO score may differ, but both are based on similar factors like payment history and credit utilization. The VantageScore gives you a useful snapshot of your credit health.

Can I dispute errors on my credit report through CreditWise?

CreditWise does not have a built-in dispute tool. To dispute errors, you can contact TransUnion directly at 1-800-916-8800 or visit their website. You can also file a dispute through AnnualCreditReport.com, which lets you challenge inaccuracies on your credit report from all three bureaus.

What if I do not have a Bank of America account?

You can check your credit score free through other services like Credit Karma, Experian, or Equifax. You can also request a free credit report once per year from AnnualCreditReport.com, though that report does not include a score.

How do I know if my credit score is good?

Credit scores typically range from 300 to 850. Scores above 670 are generally considered good, above 740 are very good, and above 800 are excellent. Scores below 580 are considered poor. CreditWise shows your score range so you can see where you stand compared to other consumers.