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 your account online or use their mobile app. The score appears in your account dashboard under a section called Credit Monitoring or Credit Score, depending on which platform you're using. You do not need to sign up for a separate service or pay a subscription — it's included with your existing checking or savings account.
The score Bank of America shows you comes from Experian, one of the three major credit bureaus. This is your Experian score only, which means it reflects the information Experian has on file about you. Your score from Equifax or TransUnion may differ, since each bureau collects and weighs information slightly differently. Bank of America updates this score monthly, so you'll see a new number roughly once per month when you check.
You can also see your score on your monthly statement if you have online statements turned on. Some Bank of America accounts show the score on the statement itself; others require you to click into the online version to see it.
Key Takeaways
- Log into your Bank of America online account or mobile app and look for Credit Monitoring or Credit Score in your dashboard to see your Experian credit score at no cost.
- The score updates once per month and reflects only Experian's data, so your Equifax or TransUnion scores may be different.
- Bank of America credit monitoring does not include dispute resolution or fraud protection — you handle those separately with the credit bureaus.
- If you want to see all three of your credit scores or dispute errors, you can request a free annual credit report from AnnualCreditReport.com or contact the bureaus directly.
Where to find your score in online banking
Open your Bank of America account at bankofamerica.com and sign in with your username and password. Once you're logged in, look for a section labeled Credit Monitoring, Credit Score, or Insights — the exact label varies by account type and when your account was opened. This section usually appears on your main dashboard or under a menu labeled "Accounts" or "Tools."
Click into that section and you'll see your current Experian score, along with a range showing where your score falls (for example, "Good" or "Excellent"). Bank of America also shows you factors that may be affecting your score, such as payment history, credit utilization, or length of credit history. These factors are informational only — they show you what's being measured, but Bank of America does not make changes to your score or report.
If you don't see a Credit Monitoring section, your account type may not include this feature. Older accounts or certain account types sometimes don't have access. You can call Bank of America at 1-800-432-1000 to ask whether your account includes credit score monitoring.
Checking your score on the mobile app
Download the Bank of America mobile app or open it if you already have it installed. Sign in with your username and password. Tap the menu icon (usually three horizontal lines) and look for Credit Monitoring, Credit Score, or Insights. The layout on mobile is often simpler than online banking, so the score may appear more prominently on your home screen.
The score you see on the app is the same Experian score as online banking — it's not a separate score. The app updates on the same monthly schedule as your online account. If you have notifications turned on in the app settings, Bank of America can send you a push notification when your score changes each month, which can help you track trends over time.
What Bank of America credit monitoring does and does not do
Bank of America's credit score tool shows you your Experian score and explains what factors are affecting it. It does not monitor for fraud, alert you to suspicious activity on your credit report, or help you dispute errors. Those are separate services that you would need to handle directly with Experian or the other credit bureaus.
If you notice an error on your credit report — for example, an account you don't recognize or a late payment that shouldn't be there — you cannot dispute it through Bank of America. Instead, you contact Experian directly at 1-888-397-3742 or through their website at experian.com. You can also dispute errors with the other two bureaus (Equifax and TransUnion) if the same error appears on their reports.
Bank of America does not charge you for viewing your score, but they also do not offer credit repair, credit counseling, or dispute services as part of this feature. If you want those services, you would need to purchase them separately or work with a nonprofit credit counselor.
Getting your full credit report and all three scores
Bank of America shows only your Experian score. To see your scores from Equifax and TransUnion, you have several options. AnnualCreditReport.com is the official government website where you can request one free credit report from each of the three bureaus per year. You can stagger these requests (one every four months) to monitor your report throughout the year.
When you order from AnnualCreditReport.com, you receive your full credit report but not necessarily your credit score. The report shows all the accounts, inquiries, and payment history that the bureau has on file. To see your actual score from each bureau, you may need to purchase it separately or use a third-party credit monitoring service that pulls all three scores.
Many credit card companies also show your score from one of the three bureaus if you ask them. Some show it for free on your statement or in their app; others charge a small fee. Checking with your credit card issuer first can save you money before you purchase scores elsewhere.
Understanding what your Bank of America score means
Bank of America displays your Experian score on a scale that typically ranges from 300 to 850. The higher your score, the lower the risk you represent to lenders. Most lenders consider scores above 670 to be "good" or better, though the exact thresholds vary by lender and loan type. A score below 580 is generally considered poor and may make it harder to borrow money or may result in higher interest rates.
Your score changes based on several factors: payment history (whether you pay on time), credit utilization (how much of your available credit you're using), length of credit history (how long you've had accounts open), credit mix (having different types of accounts like credit cards and loans), and recent inquiries (when you apply for new credit). Bank of America shows you which of these factors are currently affecting your score, but remember that this is Experian's calculation only.
If you're working to improve your score, checking it monthly through Bank of America can help you see whether your efforts are working. However, scores typically move slowly — you may not see a change for several months after you make a change in your behavior, such as paying down a credit card balance.
Frequently Asked Questions
Why does my Bank of America score differ from my score at another bank?
Different banks use different credit bureaus. Bank of America uses Experian, but your other bank might pull from Equifax or TransUnion. Each bureau has different data and uses a slightly different scoring model, so your scores can vary by 50 points or more. This is normal and does not mean one score is wrong.
Does checking my credit score through Bank of America hurt my credit?
No. Checking your own score is a "soft inquiry" and does not affect your credit. Only hard inquiries — when a lender checks your score because you applied for credit — can lower your score slightly and temporarily.
Can I dispute an error on my credit report through Bank of America?
No. Bank of America's credit monitoring tool only shows your score; it does not handle disputes. Contact Experian directly at 1-888-397-3742 or experian.com to dispute an error. You can also dispute with Equifax (1-888-378-4329) or TransUnion (1-833-322-8228) if the error appears on their reports.
How often does Bank of America update my credit score?
Bank of America updates your Experian score approximately once per month. The exact date varies, but you should see a new score within 30 days of the previous one. The update happens automatically — you do not need to do anything to refresh it.
What should I do if I don't see a credit score in my Bank of America account?
Not all Bank of America accounts include credit score monitoring. Call 1-800-432-1000 to confirm whether your account type has this feature. If it does not, you can still check your Experian score for free through other services or request your free annual credit report from AnnualCreditReport.com.