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 have a Bank of America checking or savings account. You can see it by logging into Online Banking on a computer or opening the Bank of America mobile app on your phone. The score appears in your account dashboard — you do not need to request it or wait for it to load.
The score Bank of America shows you comes from Equifax, one of the three major credit reporting agencies. This is the same type of score lenders see, though the exact number may differ slightly depending on which agency a lender pulls and when they pull it. Bank of America updates your score monthly, so you will see a new number roughly once every 30 days.
This feature is available to most account holders, but some account types — like student accounts or accounts opened very recently — may not have access yet. If you do not see your credit score after logging in, contact Bank of America to confirm your account is may be able to access.
Key Takeaways
- Your Bank of America credit score appears free in Online Banking or the mobile app without any special request or enrollment.
- The score comes from Equifax and updates once per month, so you can track changes over time.
- You can also see factors that helped or hurt your score, such as payment history and credit utilization.
- Bank of America credit scores are informational only and do not affect your actual credit report or how lenders view you.
- If you do not see your score, your account type may not be may be able to access, and you can contact Bank of America to check.
Where to find your credit score in Online Banking
Log into Bank of America Online Banking using your username and password. Once you are logged in, look at your account dashboard — the main page you see after signing in. Your credit score typically appears in a box or section labeled "Credit Score" or "Credit Insights." Click on it to see the full score and the date it was last updated.
If you do not see the credit score section on your dashboard, scroll down the page. Some accounts display it lower on the screen, or it may appear under a tab labeled "Accounts" or "Overview." If you still cannot find it after scrolling, your account may not have access to this feature yet.
The score shown is a snapshot — it reflects your credit as of the date displayed next to the number. Bank of America pulls this information from Equifax once a month, usually around the same time each month. If you checked your score last week and want to see if it has changed, you will need to wait until the next monthly update.
How to check your score on the Bank of America 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) at the bottom or top of the screen, depending on whether you are using iPhone or Android. Look for an option labeled "Credit Score," "Credit Insights," or "Credit & Fraud Monitoring."
Tap that option and your credit score will display on the screen. You will also see the date it was last updated and, in many cases, a breakdown of what factors are affecting your score — such as whether you are paying bills on time or how much of your available credit you are using. This breakdown can help you understand what to focus on if you want to improve your score.
The mobile app shows the same score as Online Banking because both pull from the same Equifax data. If you check on your phone and then check on a computer the same day, you will see the same number. The score only changes when Bank of America updates it monthly.
What the Bank of America credit score includes and excludes
The score Bank of America shows you is based on your credit report from Equifax. It reflects your payment history, how much credit you are using compared to your limits, the length of your credit history, and the mix of credit types you have (such as credit cards, loans, and mortgages). It does not include your income, employment status, or savings.
This score is for your information only. It does not change your actual credit report, and it does not affect how other lenders or creditors view you. When a lender pulls your credit to decide whether to approve you for a loan or credit card, they may use a different score or pull from a different credit agency. The Bank of America score is a tool to help you monitor your credit, not the official score that determines your creditworthiness.
Bank of America also does not use this score to make decisions about your accounts with them. Your may be able to access for credit products, interest rates, and account features depend on other factors and your full credit profile, not on the score displayed in your dashboard.
Why your Bank of America score might differ from other scores you see
Credit scores vary depending on which agency provides the data and which scoring model is used. Bank of America pulls from Equifax, but other lenders might pull from Experian or TransUnion. Even if two lenders both use Equifax, they might use different scoring models — for example, one might use the FICO Score 8, while another uses FICO Score 10T. These different models can produce different numbers from the same credit report.
Your score can also change between the time you check it and the time a lender checks it. If you paid off a credit card or made a late payment in the days after you checked your Bank of America score, the new information will not appear in your Bank of America dashboard until the next monthly update. But a lender pulling your credit the same day will see the updated information immediately.
For these reasons, the score you see in Bank of America Online Banking is useful for tracking trends over time, but it may not be the exact score a lender sees when you apply for credit. It is still a good indicator of your credit health and can help you spot problems before they affect a loan or credit card application.
How often Bank of America updates your credit score
Bank of America updates your credit score approximately once per month. The update usually happens on the same date each month, though the exact date can vary slightly. You will see the update date displayed next to your score in Online Banking or the mobile app.
The monthly update reflects changes to your credit report from the previous month. If you made a payment, opened a new account, or had a late payment reported, that information will appear in your next monthly update. Changes that happen after the update date will not show up until the following month.
If you are monitoring your score because you are working to improve it, checking once a month is usually enough. Checking more frequently will not show you new information, since the score does not change between updates. If you need to see your full credit report — not just the score — you can request a free copy from each of the three credit agencies once per year at AnnualCreditReport.com.
What to do if you cannot see your credit score
If you log into Bank of America Online Banking or the mobile app and do not see your credit score, the most common reason is that your account type does not have access to this feature. Student accounts, accounts opened within the last few months, and some business accounts may not be may be able to access. Money Market accounts and certain other product types may also be excluded.
To find out whether your account is may be able to access, contact Bank of America directly. You can call the number on the back of your debit card, visit a branch in person, or use the chat feature in Online Banking. Bank of America can confirm whether your account qualifies and, if it does, help you troubleshoot why the score is not displaying.
If your account is not may be able to access for the Bank of America credit score feature, you can still monitor your credit for free through other methods. You can request your free credit report from AnnualCreditReport.com, and you can use free credit score tools from other banks or credit card companies if you have accounts with them. Many credit card issuers also display your credit score in their online portals at no cost.
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 at all. Only hard inquiries — when a lender pulls your credit to make a lending decision — can lower your score slightly. You can check your Bank of America credit score as often as you want without any impact.
Is the Bank of America credit score the same as my FICO score?
The Bank of America score is a FICO score, but it may not be the exact FICO score a lender uses. Bank of America uses FICO Score 8 based on Equifax data. Lenders might use FICO Score 8, FICO Score 9, FICO Score 10T, or other versions, and they might pull from Experian or TransUnion instead. The number you see is accurate, but it may differ from what a lender sees.
Can I improve my credit score by using Bank of America products?
Your credit score improves based on your credit behavior — paying bills on time, keeping credit card balances low, and not opening too many new accounts at once. Using Bank of America products does not automatically improve your score, but responsible use of a Bank of America credit card or loan can help if you manage it well. The score itself is based on your credit report, not on which bank you use.
What if my Bank of America credit score is different from my score on AnnualCreditReport.com?
AnnualCreditReport.com provides your credit report, not your credit score. Your credit report is the raw data; your score is a number calculated from that data. Bank of America calculates a FICO score from your Equifax report. If you see a score on AnnualCreditReport.com, it may be from a different scoring model or agency. The Bank of America score is the most directly comparable to what lenders typically see.
Do I need to pay for credit monitoring to see my score?
No. Bank of America provides your credit score for free to account holders. You do not need to pay for any credit monitoring service or subscription to see your score. If Bank of America offers paid credit monitoring or identity theft protection as an add-on, that is separate from the free credit score feature.