You can see your credit score directly in the Bank of America mobile app without leaving the platform

Bank of America displays your credit score in the mobile app through a partnership with Experian. The score updates monthly and appears on your dashboard once you've enrolled. You don't need to sign up separately or pay anything — it's included if you have a Bank of America checking or savings account and use the app.

The score you see is your Experian FICO Score 8, which is one of three major credit scores. It's the same type lenders use when you apply for a credit card, auto loan, or mortgage. Checking it in the app doesn't hurt your credit — it's a soft inquiry, not a hard inquiry.

Key Takeaways

  • Your Bank of America credit score comes from Experian and updates once per month, usually around the same date each month.
  • The score appears on your app dashboard after you enroll, which takes just a few taps and requires no separate signup.
  • Checking your score in the app is free and does not lower your credit score.
  • The score you see is your FICO Score 8, the type most lenders use for credit decisions.
  • If you don't see a score, you may not have enough credit history yet, or your account may not be enrolled in the feature.

Steps to view your credit score in the Bank of America app

Open the Bank of America mobile app and log in with your username and password. Tap the menu icon (three horizontal lines) at the bottom right of the screen, then select "Credit Score" or "Credit Monitoring" — the exact label depends on your app version.

If this is your first time viewing your score, you'll see an enrollment screen. Read the disclosure, then tap the button to enroll. Bank of America will confirm your enrollment and pull your Experian credit file. This usually takes a few seconds, but sometimes takes up to 24 hours.

Once enrolled, your score will display on the screen along with a range showing where your score falls (for example, "Good" or "Very Good"). You'll also see a breakdown of the factors affecting your score — payment history, credit utilization, length of credit history, credit mix, and new credit inquiries. Tap any factor to see more detail about how it's calculated.

What to do if your score doesn't appear

If you don't see a credit score after enrolling, the most common reason is that you don't have enough credit history yet. Experian needs at least some credit activity — a credit card, loan, or other account reported to the bureaus — to generate a score. If you're new to credit, wait a few months after opening your first account, then check again.

If you have credit history but still see no score, your account may not be linked to the credit monitoring feature. Log out of the app completely, wait 30 seconds, then log back in. If the score still doesn't appear, contact Bank of America customer service through the app or by phone to confirm your account is enrolled.

Bank of America may also temporarily pause credit score access if there's suspicious activity on your account or if you've frozen your credit with Experian. If you've placed a freeze, you'll need to temporarily unfreeze it to see your score in the app.

How often your score updates and what affects it

Your Bank of America credit score updates once per month, usually around the same date each month. The exact date depends on when Experian receives new information from your creditors. You'll see a notification in the app when your score updates.

The score reflects five main factors. Payment history (35% of your score) is whether you pay on time. Credit utilization (30%) is how much of your available credit you're using — lower is better. Length of credit history (15%) rewards older accounts. Credit mix (10%) means having different types of credit like credit cards and loans. New credit inquiries (10%) is how many times you've recently applied for credit.

Checking your own score in the app does not change it. Only hard inquiries — when a lender checks your credit as part of a loan application — can lower your score slightly and temporarily.

The difference between your Bank of America score and other credit scores

Bank of America shows you your Experian FICO Score 8. This is useful, but it's not the only score that matters. Credit bureaus (Experian, Equifax, and TransUnion) each maintain their own file on you, and each can produce multiple scores using different formulas.

Some lenders use FICO Score 9 or FICO Score 10, which weight recent late payments less heavily than Score 8. Auto lenders often use FICO Auto Scores. Mortgage lenders may use older FICO versions. Credit card issuers sometimes use VantageScore instead of FICO. Your Experian FICO Score 8 is a good general indicator of your creditworthiness, but it won't be identical to the score a specific lender sees.

You can see your other scores for free through AnnualCreditReport.com, which gives you one free report per year from each bureau. You can also check scores through Credit Karma (which shows VantageScore) or other free monitoring services, though those scores use different formulas than FICO.

How to use your credit score to track your progress

Check your score monthly to watch how your financial habits affect it. If you pay down a credit card balance, your utilization drops and your score typically rises within one to two months. If you miss a payment, your score will fall, but the impact lessens over time — a late payment from six months ago hurts less than one from last month.

Use the factor breakdown in the app to identify what's holding your score back. If credit utilization is high, focus on paying down balances. If you have a recent late payment, prioritize on-time payments going forward. If you have no credit mix, opening a different type of account (like a small loan) can help, but only if you can manage it responsibly.

Don't obsess over small monthly changes. A score that moves up or down by five points is normal and usually reflects minor shifts in your credit file. Focus on the bigger picture — are you paying on time, keeping balances low, and avoiding new hard inquiries? If yes, your score will improve over months and years.

Frequently Asked Questions

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

No. Checking your own score is a soft inquiry and does not lower your credit score. Only hard inquiries — when a lender checks your credit as part of a loan application — can temporarily reduce your score by a few points.

Can I see my credit score if I don't have a Bank of America credit card?

Yes. You can see your score if you have any Bank of America account — checking, savings, or money market. You don't need a credit card. The score is available to most account holders who enroll in the feature.

Why is my Bank of America credit score different from the score another lender showed me?

Different lenders use different credit bureaus and different scoring formulas. Bank of America shows your Experian FICO Score 8. A mortgage lender might use Equifax and an older FICO version. A credit card issuer might use TransUnion or VantageScore. All three are valid; they just measure slightly different things.

What should I do if I see an error on my credit report?

Contact Experian directly to dispute the error. You can file a dispute through Experian.com or by mail. Bank of America's app shows your score but not your full credit report, so you'll need to review your actual report at AnnualCreditReport.com to spot errors like accounts you didn't open or payments marked late when you paid on time.

Can I remove my credit score from the Bank of America app?

Yes. You can unenroll from credit monitoring in the app settings. Go to the menu, find "Credit Score" or "Credit Monitoring," and look for an unenroll or opt-out option. Unenrolling does not affect your actual credit score — it just stops the app from displaying it.