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 Monitoring or Credit Score — the exact label depends on which version of the platform you're using. You do not need to request anything or wait for it to arrive by mail. It is there once you log in.

The score Bank of America shows you is pulled from one of the three major credit bureaus — Equifax, Experian, or TransUnion — but the bank does not always disclose which one. The score updates monthly, usually around the same date each month. This is a snapshot of your creditworthiness at a single point in time, not a prediction of whether you will be approved for a loan or credit card.

You can check this score as often as you want without affecting your credit. Checking your own score is called a soft inquiry and does not lower your credit rating. Hard inquiries — the kind that happen when you explore for credit — are what can temporarily reduce your score.

Key Takeaways

  • Bank of America members can view their credit score free in Online Banking or the mobile app without signing up for a separate service.
  • The score updates once per month and comes from one of the three major credit bureaus, though the bank may not specify which one.
  • Checking your own score does not affect your credit rating, so you can look as often as you want.
  • If you do not see a credit score in your account, you may not have enough credit history yet, or you may need to update your profile information.
  • Bank of America's credit score tool does not show your full credit report, only the score itself — you can request your full report separately from each bureau.

Where to find your score in Online Banking

Log into Bank of America Online Banking using your username and password. Once you are in your account, look for a section labeled Credit Monitoring, Credit Score, or sometimes Credit Insights — the exact name varies depending on your account type and when the bank last updated that part of the interface.

This section usually appears on your main dashboard or in a menu on the left side of the screen. If you have trouble locating it, use the search function within Online Banking and type "credit score." The system will direct you to the right page. On that page, you will see your current score displayed prominently, along with the date it was last updated.

Some accounts also show a brief explanation of what factors affect your score — things like payment history, credit utilization, and length of credit history. This information is educational and meant to help you understand why your score is what it is, not to predict whether you will be approved for future credit.

Checking your score on the mobile app

read the Bank of America mobile app if you have not already, or open it if it is installed on your phone. Log in with your username and password. Tap the menu icon (usually three horizontal lines) and look for Credit Monitoring, Credit Score, or a similar label.

The mobile app version of your credit score works the same way as the web version — it updates monthly and shows the same number. Some users find the mobile app faster to check because it requires fewer taps to reach the score. The app also sends notifications when your score changes significantly, which can help you track trends over time.

What the score does and does not tell you

Your credit score is a three-digit number that lenders use to estimate how likely you are to repay borrowed money on time. It ranges from 300 to 850 in most scoring models. A higher score generally means lower risk to a lender, which can lead to better interest rates and terms when you explore for a loan or credit card.

The score Bank of America shows you is based on information in your credit report — your payment history, how much credit you are using compared to your limits, how long you have had credit accounts, the mix of different types of credit you use, and recent credit inquiries. Each of these factors carries a different weight in the calculation.

What the score does not do is predict whether you will be approved for a specific product. Different lenders use different scoring models and have different approval thresholds. A bank might approve you for a mortgage at a score of 620, while a credit card company might require 700. Bank of America's score is one data point, not a may provide of approval anywhere.

Why you might not see a credit score in your account

If you log in and do not see a credit score displayed, the most common reason is that you do not have enough credit history yet. Credit bureaus need at least some activity — usually at least one account that has been open for a few months — before they can generate a score. If you are new to credit or have not used credit in a long time, you may not have a scoreable profile.

Another reason is that your profile information in Bank of America's system may be incomplete or outdated. The bank needs your full legal name, date of birth, and Social Security number to match you to your credit file at the bureaus. If any of this information is missing or wrong, the system cannot pull your score. Log into your account settings and verify that your personal information is current.

If you have recently opened your Bank of America account, the credit score feature may take a few days to set up. The bank needs time to verify your identity and connect your account to your credit file. If you still do not see your score after a week, contact Bank of America customer service to confirm that the feature is turned on for your account.

Getting your full credit report, not just the score

Bank of America shows you the score, but not the full credit report behind it. Your credit report is a detailed record of every credit account you have, every payment you have made, and every inquiry into your credit. To see the actual report — which shows specific accounts, balances, and payment history — you need to request it directly from the credit bureaus.

You can request one free credit report per year from each of the three bureaus (Equifax, Experian, and TransUnion) through AnnualCreditReport.com, which is the official site authorized by federal law. You do not need to go through Bank of America for this. The report itself is free; some companies charge for credit monitoring or score tracking services, but the basic report costs nothing.

Reviewing your full report is useful because it can reveal errors — accounts you do not recognize, wrong payment dates, or accounts that should be closed but are still listed as open. If you find an error, you can dispute it directly with the bureau that reported it. Bank of America's score tool does not show these details, so checking your full report once a year is a separate step worth taking.

How often Bank of America updates your score

Bank of America updates your credit score once per month. The update usually happens on the same date each month, though the exact date can vary slightly depending on when the credit bureau reports new information. You will see the update date displayed next to your score in Online Banking or the app.

Your score can change month to month based on new information the bureaus receive — a new payment, a change in your credit utilization, a new account opening, or an old account closing. These changes happen continuously, but Bank of America only refreshes the number you see once a month. If you need to know your score more frequently, you would need to use a separate credit monitoring service, though most lenders only care about the score at the moment you explore for credit.

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 rating. Only hard inquiries — which happen when you explore for a loan, credit card, or other credit product — can temporarily lower your score. You can check your Bank of America score as many times as you want without any impact.

What if my Bank of America credit score is different from another score I saw?

Credit scores vary because different scoring models weight factors differently, and different bureaus may have slightly different information about you. Bank of America uses one model and pulls from one bureau; another lender might use a different model and pull from a different bureau. Scores within 20 to 30 points of each other are normal variation. If the difference is larger, check whether you are looking at scores from different bureaus or different scoring models.

Can I dispute something on my credit report through Bank of America?

No. Bank of America shows you your score but does not handle disputes. To dispute an error on your credit report, you must contact the credit bureau directly — Equifax, Experian, or TransUnion. You can file a dispute online, by mail, or by phone. The bureau is required to investigate within 30 days and tell you the results.

Is the credit score Bank of America shows the same one lenders see?

Not necessarily. Bank of America shows you one score from one bureau using one scoring model. Lenders may use different scoring models, pull from different bureaus, or use industry-specific scores (like a mortgage score or auto score). The score you see is useful for tracking your creditworthiness, but the exact score a lender sees when you explore may be different.

What should I do if my credit score is low?

Focus on the factors that make up your score: pay all bills on time, keep your credit card balances low relative to your limits, do not close old accounts, and avoid explore for multiple new credit accounts in a short time. Improvements take months, not weeks. If you have missed payments or collections accounts, those will age off your report over time — older negative items have less impact on your score than recent ones.