Bank of America shows your credit score free in online banking and the mobile app
Bank of America displays your credit score at no cost if you log into online banking or use the mobile app. The score appears in your account dashboard under a section called Credit Tracker or Credit Score, depending on your account type and when you last logged in. You do not need to request it or wait for it to arrive—it is there as soon as you sign in, updated monthly.
The score Bank of America shows you is pulled from Experian, one of the three major credit bureaus. This is the same bureau that lenders and creditors use when they check your credit, so the number you see is a real reflection of how you look to them. Bank of America updates it once a month, usually around the same date each cycle.
You do not need to be a credit card holder to see it. If you have a checking account, savings account, or any other Bank of America product, you can access Credit Tracker. The only exception is if your account is too new—some accounts take a few weeks to activate the feature.
Key Takeaways
- Your Bank of America credit score is free and visible in online banking or the mobile app under Credit Tracker, updated once per month.
- The score comes from Experian and reflects how lenders will see you when they pull your credit.
- You need to be logged into your Bank of America account to view it; there is no separate login or registration required.
- If Credit Tracker does not appear in your account, wait a few weeks if your account is new, or contact Bank of America to confirm your account type is may be able to access.
How to find your score in online banking
Log into your Bank of America account at bankofamerica.com using your username and password. Once you are in, look at the left side of the screen or the main dashboard area. You should see a section labeled Credit Tracker, Credit Score, or Insights. Click on it.
Your credit score will display prominently, along with a brief explanation of what it means and how it compares to national averages. Bank of America also shows you a breakdown of the factors affecting your score—payment history, credit utilization, length of credit history, and so on. This breakdown helps you understand which areas are helping or hurting your score the most.
If you do not see Credit Tracker after logging in, scroll down the page or check the menu on the left side. On some account layouts, it appears under a tab called Accounts & Services or Tools. If it still does not appear, your account may not yet be may be able to access for the feature.
How to find your score in the mobile app
Open the Bank of America mobile app and log in with your username and password. Tap the menu icon (usually three horizontal lines) at the bottom or top of the screen. Look for an option labeled Credit Tracker, Credit Score, or Insights.
Tap it, and your score will appear on the screen. The mobile app shows the same information as online banking—your current score, the date it was last updated, and the factors driving it up or down. You can check your score from anywhere, as often as you want, without any impact to your credit.
If you have not downloaded the app yet, search for "Bank of America" in your phone's app store (Apple App Store or Google Play), download it, and log in with your existing Bank of America username and password.
What the score means and how often it updates
Bank of America shows you a VantageScore, which ranges from 300 to 850. The higher your score, the better your credit looks to lenders. A score of 750 or above is generally considered very good; 700 to 749 is good; 650 to 699 is fair; and below 650 is poor. These ranges are not official rules—different lenders use different thresholds—but they give you a sense of where you stand.
Your score updates once per month, usually on the same day each cycle. Bank of America pulls fresh data from Experian and recalculates your score based on your current payment history, balances, and other factors. You will see the date of the last update displayed next to your score in Credit Tracker.
Checking your own score does not hurt it. Viewing your credit report or score yourself is called a soft inquiry and has no impact on your credit. Only when a lender or creditor pulls your credit (a hard inquiry) does it potentially affect your score slightly and temporarily.
Why Bank of America shows only one score, not three
You have three credit scores—one from each bureau (Experian, Equifax, and TransUnion)—and they can differ. Bank of America shows you only the Experian score because that is the bureau they have partnered with. This does not mean the other two scores are wrong or less important; it just means Bank of America chose one source.
If you want to see all three scores, you can request a free credit report from each bureau once per year at annualcreditreport.com, the official government site. You can also use free third-party services like Credit Karma or NerdMoney, which show you scores from multiple bureaus (though they may use different scoring models than what lenders see).
For most purposes, the Experian score Bank of America shows you is enough. It moves in the same direction as your other scores and reflects the same underlying habits—paying on time, keeping balances low, and not opening too many accounts at once.
What to do if Credit Tracker is not showing up
If you log in and do not see Credit Tracker anywhere, the most common reason is that your account is too new. Bank of America typically needs a few weeks of account history before it can calculate and display your score. If your account is less than a month old, wait and check again.
Another reason is account type. Some account types—such as very old accounts or accounts that have been inactive—may not have Credit Tracker enabled. If your account is older than a month and still does not show a score, contact Bank of America customer service. You can call 1-800-432-1000 or visit a branch in person. They can confirm whether your account is may be able to access and, if it is, manually enable the feature.
If you have multiple Bank of America accounts, Credit Tracker may appear only on your primary account. Log into each account separately to check.
How your Bank of America score compares to what lenders see
The score Bank of America shows you is real and accurate, but it is not the only score lenders use. When you apply for a credit card, mortgage, auto loan, or other credit product, the lender may pull a different score model—FICO Score 8, FICO Score 10T, or an industry-specific score. These can differ from the VantageScore Bank of America displays.
The good news is that all credit scores move together. If your Bank of America score goes up, your FICO scores will likely go up too, because they are all based on the same underlying data: your payment history, credit utilization, length of credit history, credit mix, and recent inquiries. Improving one score improves all of them.
Use the Bank of America score as a general indicator of your credit health, not as a prediction of exactly what a lender will see. It is a useful tool for tracking your progress and understanding which habits help or hurt you, but the actual score a lender uses may be slightly different.
Frequently Asked Questions
Does checking my credit score on Bank of America hurt my credit?
No. Checking your own score is a soft inquiry and does not affect your credit at all. Only when a lender or creditor pulls your credit (a hard inquiry) does it potentially lower your score slightly and temporarily. You can check your Bank of America score as often as you want without any impact.
Why is my Bank of America credit score different from the score I see elsewhere?
Different companies use different scoring models. Bank of America shows a VantageScore from Experian, while Credit Karma might show a different VantageScore model, and a lender might use a FICO score. The scores are based on the same data but calculated differently, so they can vary by 10 to 50 points. All of them move in the same direction, so focus on improving your habits rather than chasing a specific number.
Can I see my credit score if I do not have a Bank of America credit card?
Yes. Any Bank of America account—checking, savings, money market, or CD—gives you access to Credit Tracker. You do not need a credit card. If you have a Bank of America account and still cannot see your score, your account may be too new or ineligible for the feature.
How often does Bank of America update my credit score?
Once per month, usually on the same day each cycle. The exact date depends on when your account was opened and when the bureaus report data. You will see the last update date displayed next to your score in Credit Tracker.
What should I do if my credit score is low?
Focus on the factors Bank of America shows you. Pay all bills on time, keep credit card balances below 30 percent of your limit, do not close old accounts, and avoid opening many new accounts at once. Improvements take time—usually three to six months before you see meaningful movement—but these habits work.