Bank of America shows your credit score free through online banking and the mobile app
Bank of America displays your credit score at no cost if you log into your account online or through their mobile app. The score appears in your account dashboard — you do not need to request it or navigate to a separate tool. The score updates monthly, usually around the same date each month, and comes from one of the three major credit bureaus (Equifax, Experian, or TransUnion). Which bureau Bank of America uses depends on your account type and region, and the bank does not always disclose which one.
This score is meant to give you a general sense of your creditworthiness. It is not the same score a lender will see when you apply for a mortgage, car loan, or credit card — those scores can vary based on the lender's own model and the specific bureau they pull from. But the Bank of America score moves in the same direction as your actual credit score, so tracking it over time shows whether your credit is improving or declining.
Key Takeaways
- Log into your Bank of America account online or open the mobile app to see your credit score on your dashboard — no special steps required.
- Your score updates once a month and comes from one of the three major credit bureaus, though Bank of America does not always tell you which one.
- The score Bank of America shows is a general estimate and may differ from the score a lender sees when you apply for credit.
- If you do not see a score in your account, you may not have enough credit history yet, or your account type may not include this feature.
Where to find your score in online banking
Open your Bank of America account at bankofamerica.com and sign in with your username and password. Once you are logged in, look at your account dashboard or home page — the credit score usually appears as a box or card labeled "Credit Score," "Credit Insights," or similar. Click on it to see the full number and the date it was last updated.
If you do not see a credit score box on your main dashboard, check the "Accounts" or "Manage Accounts" section. Some account types display the score in a different location. You can also search the site for "credit score" using the search bar at the top of the page.
Checking your score on the mobile app
Download the Bank of America mobile app if you do not have it already, or open it if you do. Sign in with your username and password or biometric login. Tap the menu icon (usually three horizontal lines) and look for a section labeled "Credit Score," "Credit Insights," or "Financial Insights." The score should display there with the date of the last update.
The mobile app often makes the credit score easier to find than the website because it is featured more prominently on the home screen. If you have trouble locating it, use the app's search function or contact Bank of America customer service through the app's messaging feature.
What the score means and why it might differ from other scores
Bank of America's credit score is a three-digit number, typically ranging from 300 to 850. A higher score means lower risk to lenders. The score is based on your payment history, amounts owed, length of credit history, credit mix, and recent credit inquiries — the same factors the major bureaus use to calculate credit scores.
However, the exact number Bank of America shows may not match the score a mortgage lender, auto lender, or credit card company sees. Different lenders use different scoring models (FICO, VantageScore, or proprietary models), and they may pull from different bureaus. A lender might also use a score tailored to the type of credit you are seeking — a mortgage lender uses a mortgage score, which weights factors differently than a general credit score. The Bank of America score is useful for tracking your credit trend, not for predicting what a specific lender will see.
Why your score might not appear in your account
If you log in and do not see a credit score, several things could be the reason. You may not have enough credit history yet — typically you need at least one account that has been open for several months. If you are new to credit or have been inactive for a long time, the bureaus may not have enough data to calculate a score.
Your account type may also matter. Bank of America credit monitoring features are not available on all account types or in all regions. If you have a basic checking account with limited features, the credit score tool may not be included. Contact Bank of America to confirm whether your account type includes credit score monitoring.
Getting a more detailed credit report
Bank of America's score is a snapshot, not a full picture. To see the details behind your score — which accounts are reporting, what your balances are, whether there are errors on your report — you need to check your full credit report from each of the three bureaus: Equifax, Experian, and TransUnion.
You can request a free credit report from each bureau once per year at annualcreditreport.com, the official site run by the three bureaus together. This report shows every account, inquiry, and negative mark on your file. If you spot an error, you can dispute it directly with the bureau. Bank of America's score does not include this level of detail, so checking your full report is important if you are preparing to apply for a major loan.
Monitoring your score over time
Check your Bank of America credit score monthly to track whether it is moving up or down. A rising score usually means you are paying bills on time and keeping credit card balances low. A falling score can signal missed payments, high balances, or a recent hard inquiry from a loan application.
If your score drops suddenly, review your recent activity. Look for any accounts you do not recognize, check whether a payment was missed, or see if a large balance was reported. If you find an error, contact the bureau that reported it and ask them to investigate. Bank of America's score tool may also include alerts or notifications when your score changes significantly — check your account settings to turn these on if they are available.
Frequently Asked Questions
Does checking my credit score on Bank of America hurt my credit?
No. Checking your own credit score is a soft inquiry and does not affect your credit score at all. Only hard inquiries — when a lender pulls your credit to make a lending decision — can lower your score slightly and temporarily.
Can I see my credit score if I do not have a Bank of America credit card?
Yes. Bank of America offers credit score monitoring to customers with checking accounts, savings accounts, and credit cards. You do not need a credit card specifically, though the feature may vary by account type and region.
How often does Bank of America update my credit score?
Your score updates once a month, usually around the same date each month. The exact date depends on when the credit bureau reports new information to Bank of America.
What should I do if my Bank of America score is very different from another score I saw?
Different scoring models and different bureaus produce different numbers. If the difference is large, pull your full credit report from annualcreditreport.com to check for errors. If you find mistakes, dispute them with the bureau that reported them.
Can I improve my credit score quickly?
Credit scores move slowly. Paying down high balances and making on-time payments will improve your score over weeks and months, not days. Missed payments and collections stay on your report for years, so the best strategy is consistent, on-time payment going forward.