Where to find your credit score in Bank of America online and mobile
Bank of America shows your credit score in two places: the mobile app and the online banking website. You do not need to request it or wait for it to arrive—it is already there if you have a Bank of America checking or savings account.
On the mobile app, open it and tap the menu icon (three horizontal lines). Look for "Credit Score" or "Credit Insights" in the menu. Your score appears with a date showing when it was last updated. On the website, log in to your account, then look for "Credit Score" or "Credit Insights" in the left navigation menu or under "Accounts & Services." The score is the same in both places.
Bank of America pulls your credit score from Experian, one of the three major credit bureaus. The score you see is updated monthly, usually around the same day each month. It is a real credit score—the kind lenders actually use—not a marketing estimate.
Key Takeaways
- Your Bank of America credit score comes from Experian and updates once a month, visible in the mobile app or online banking portal.
- The score is free to view and does not require a separate sign-up or request.
- Bank of America shows only your Experian score, so you may want to check Equifax and TransUnion separately to see all three bureau scores.
- Your credit score can change month to month based on payment history, credit card balances, and other factors in your credit report.
What the Bank of America credit score includes
The score Bank of America displays is your FICO score, which ranges from 300 to 850. A higher score means lower risk to lenders. Bank of America does not tell you exactly how they weight each factor, but FICO scores generally break down as: payment history (35 percent), amounts owed on credit accounts (30 percent), length of credit history (15 percent), credit mix or types of accounts (10 percent), and new credit inquiries (10 percent).
When you view your score in the app or website, Bank of America also shows you a brief explanation of what might be affecting it. This is not personalized financial advice—it is a general note about common factors. For example, if your score dropped, the note might say "high credit utilization" or "recent late payment," but it does not tell you exactly which accounts are causing the change.
Why Bank of America shows only one credit score
Bank of America pulls from Experian because they have a partnership with that bureau. You have three credit scores in the U.S. credit system—one from Experian, one from Equifax, and one from TransUnion—and they can differ by 50 points or more. Lenders may check one, two, or all three depending on the type of loan.
If you want to see your Equifax and TransUnion scores, you will need to check those bureaus separately. You can view your credit reports for free once per year from all three bureaus at AnnualCreditReport.com, which is the official government site. Some credit card issuers also show scores from other bureaus if you have an account with them.
How often Bank of America updates your credit score
Bank of America updates your credit score once per month. The update date varies by account but usually falls on the same day each month. When you view your score, the app or website shows the date of the most recent update so you know how current it is.
Your actual credit report—the detailed record of your accounts, payments, and inquiries—updates more frequently. Lenders and creditors report to the bureaus on different schedules, so changes to your report can happen weekly or even daily. Your score, however, recalculates only once a month based on the current state of that report.
What to do if your Bank of America credit score seems wrong
If your Bank of America score looks too low or does not match a score you saw elsewhere, start by checking your actual credit report. Go to AnnualCreditReport.com and request your free report from Experian (since that is the bureau Bank of America uses). Look for errors: accounts you did not open, payments marked late when you paid on time, or balances that are wrong.
If you find an error on your Experian report, you can dispute it directly with Experian online, by mail, or by phone. Experian has 30 days to investigate and respond. Once an error is corrected, your score will recalculate at the next monthly update. If the error is not on your report but your Bank of America score still seems off, contact Bank of America directly—sometimes a technical issue or data sync problem can cause a display error.
Using your Bank of America credit score to monitor changes
The main value of checking your score regularly is spotting changes before they become problems. If your score drops 20 or 30 points in a month, something changed in your credit report—a missed payment, a new collection account, or a spike in credit card balances. Catching these early lets you take action: dispute an error, pay down a balance, or contact a creditor about a missed payment before it ages.
Set a reminder to check your score on the same day each month, right after the update. This makes it easier to notice patterns. If you see a drop, pull your full Experian report to understand why. Bank of America's score alone does not tell you which account caused the change, so the detailed report is your next step.
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 score at all. Only hard inquiries—when a lender checks your credit because you applied for a loan or credit card—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. You can view your credit score through Bank of America if you have any deposit account with them—a checking account, savings account, or money market account. You do not need a credit card.
What if I do not see a credit score in my Bank of America account?
Bank of America may not have a credit score to display if you have no credit history or if Experian does not have a file on you. New credit users or people who have not used credit in many years sometimes fall into this category. You can still check your credit report at AnnualCreditReport.com to see what information exists.
Is the Bank of America credit score the same one lenders see?
It is a real FICO score, but lenders may see a slightly different version. FICO produces different score models for different industries—auto lenders, mortgage lenders, and credit card issuers each use versions tuned to their risk. The score Bank of America shows is a general-purpose FICO score, which is close to what most lenders use but not always identical.
How do I improve my credit score after checking it?
The main levers are: pay all bills on time, keep credit card balances below 30 percent of your limit, do not close old accounts, and avoid applying for multiple new credit accounts in a short time. Changes take time—typically one to three months to show up in your score after you change your behavior.