Bank of America shows your credit score for free if you have certain accounts
Bank of America displays your credit score at no cost through its online banking platform and mobile app, but only if you hold a may have access to account. The score you see comes from Experian, one of the three major credit bureaus, and updates monthly. You do not need a separate service or subscription — it is built into your existing account dashboard.
Not every Bank of America account includes credit score access. Checking and savings accounts typically do not. Credit card accounts, investment accounts, and some premium banking packages do. If you have a Bank of America credit card, you can view your score immediately by logging in online or opening the mobile app.
The score Bank of America shows is your Experian credit score, which may differ from scores other lenders pull from Equifax or TransUnion. Lenders use different scoring models too — the score you see is not necessarily the one a mortgage lender or auto lender will use when you apply. It is useful for tracking your own progress, but not a may provide of what you will be offered.
Key Takeaways
- Bank of America credit score access is free but only available through credit card accounts and certain premium accounts, not basic checking or savings accounts.
- The score updates once per month and comes from Experian, so it may differ from scores other lenders pull from Equifax or TransUnion.
- You can view your score by logging into your Bank of America online account or mobile app and navigating to the credit score section of your dashboard.
- The score Bank of America shows is for your own reference and tracking — lenders may use different scoring models and bureaus when you apply for credit.
Where to find your score in online banking
Log into your Bank of America account at bankofamerica.com. Once you are signed in, look for a section labeled "Credit Insights," "Credit Score," or "Credit Monitoring" — the exact name varies depending on your account type and when your account was created. This section usually appears on your main dashboard or in a menu labeled "Accounts" or "Tools."
Click into that section and your current Experian credit score will display prominently. Below the score, Bank of America typically shows a brief breakdown of what factors are affecting it most — things like payment history, credit utilization, and length of credit history. This breakdown is informational only and does not change how lenders view your credit.
If you do not see a credit score section after logging in, your account type may not include this feature. Call Bank of America at 1-800-432-1000 to confirm whether your specific account qualifies, or ask whether upgrading to a different account type would give you access.
Checking your score on the mobile app
Open the Bank of America mobile app and sign in with your username and password. Tap the menu icon (usually three horizontal lines) and look for "Credit Insights," "Credit Score," or a similar option. The process is the same as online banking — your current score will appear with a monthly update date.
The mobile app version updates on the same schedule as online banking, so you will see the same score whether you check on your phone or computer. If you have multiple Bank of America accounts, the app may show your score only once, even if more than one account qualifies for credit score access.
Understanding what the score means and its limits
Your Bank of America credit score ranges from 300 to 850. Generally, scores above 670 are considered good, and scores above 740 are considered very good, but these ranges are not official — different lenders use different thresholds. A score of 650 might may have access to you for one lender's credit card but not another's.
The score Bank of America shows is based on your credit report at Experian. It reflects your payment history, amounts owed, length of credit history, new credit inquiries, and credit mix. However, it does not include information that is not on your credit report — like your income, employment, or savings — so it is only one piece of how lenders decide whether to lend to you.
When you apply for a mortgage, auto loan, or other major credit product, the lender will pull your own credit report and may use a different scoring model entirely. Mortgage lenders often use FICO Score 2, 4, or 5, which are different from the score Bank of America displays. Seeing a high score in your Bank of America account does not mean you will be approved for a mortgage at the rate you expect.
How often the score updates and what triggers a change
Bank of America updates your credit score once per month, usually around the same date each month. The exact date depends on when your credit report information is reported to Experian by your creditors — typically between the 1st and the 15th of each month. You will see a note in your credit score section showing when the score was last updated.
Your score can change month to month based on new information Experian receives. Paying down a credit card balance, making a late payment, opening a new account, or having an old negative item fall off your report will all affect your score. Small changes of 5 to 10 points are normal and usually not a sign of a problem.
If you notice a significant drop in your score and you have not missed any payments or opened new accounts, check your credit report directly through Experian, Equifax, or TransUnion. You can request a free copy of your report from all three bureaus once per year at annualcreditreport.com. A sudden drop sometimes signals fraud or an error on your report that needs correction.
Getting your full credit report if you need more detail
Bank of America's credit score is a snapshot, not a full report. If you need to see everything on your credit report — every account, every inquiry, every payment history — you will need to pull your report directly from the bureaus. You are may have access to to one free report per year from each of Equifax, Experian, and TransUnion through annualcreditreport.com, which is the official government site.
When you pull your full report, check for errors: accounts you did not open, payments marked late that you made on time, or duplicate entries. If you find an error, you can dispute it directly with the bureau. The bureau must investigate within 30 days and remove the error if it cannot verify it. Correcting errors on your report can raise your score.
Some credit monitoring services offer more frequent updates and alerts when your report changes, but these are paid services. Bank of America's monthly score is sufficient for most people who simply want to track their progress.
What to do if you do not have access to the credit score feature
If you have a Bank of America checking or savings account but no credit card, you will not see a credit score in your account. Bank of America only includes the credit score feature in credit card accounts and certain premium banking packages. Opening a Bank of America credit card is one way to gain access, but that means applying for new credit, which will trigger a hard inquiry on your report and lower your score slightly in the short term.
Alternatively, you can pull your credit score free from other sources. Experian offers a free score directly through experian.com. Credit Karma provides free scores from Equifax and TransUnion. Many credit card issuers — Discover, Capital One, Chase — also show your credit score for free even if you do not have an account with them. These services are legitimate and do not require a paid subscription.
If you want to monitor your credit without opening a new account, pulling your free annual report from annualcreditreport.com and checking it once a year is the most straightforward approach. You will not see a score, but you will see everything that affects your score and can spot problems early.
Frequently Asked Questions
Is the credit score Bank of America shows the same one lenders will use?
No. Bank of America shows your Experian credit score, but lenders may pull from Equifax or TransUnion instead. Even if they use Experian, they may use a different scoring model. The score you see is useful for tracking your own progress, but not a prediction of what a lender will see when you apply.
Does checking my credit score in Bank of America hurt my credit?
No. Checking your own credit score is a soft inquiry and does not affect your score. Only hard inquiries — when a lender pulls your report because you applied for credit — lower your score.
Can I see my credit score if I only have a Bank of America savings account?
Not through Bank of America. The credit score feature is available only with credit card accounts and certain premium banking packages. You can view your score free through Experian.com, Credit Karma, or by requesting your annual credit report at annualcreditreport.com.
How do I know when my credit score has been updated?
Bank of America displays the update date next to your score in the credit score section of your account. The score updates once per month, usually between the 1st and 15th of the month, depending on when Experian receives new information from your creditors.
What should I do if my credit score dropped suddenly?
Check your credit report at annualcreditreport.com to see if there are errors, missed payments, or new accounts you did not open. If you find an error, dispute it with the bureau. If the drop is due to a missed payment or new account you opened, the score will recover over time as you rebuild your payment history.