Where to find your credit score in Bank of America
Bank of America shows your credit score in two places: inside your online account dashboard and through their mobile app. The score appears on your Account Summary page once you log in — you do not need to request it or wait for it to load. This is a free service that Bank of America provides to most account holders, and checking it does not lower your score.
The score you see is called a FICO Score 8, which is the version most lenders use when deciding whether to give you a loan or credit card. Bank of America updates this score monthly, usually around the same date each month. The number itself ranges from 300 to 850, with higher scores meaning lower risk to lenders.
If you do not see a credit score on your Account Summary, it usually means Bank of America does not have enough credit history on file for you yet — this happens with new accounts or accounts that have been inactive. You may also not see it if you have not set up online banking.
Key Takeaways
- Your Bank of America credit score appears free on your Account Summary page after you log into online banking or the mobile app.
- The score updates once per month and is a FICO Score 8, the version most lenders use to make lending decisions.
- Checking your own score through Bank of America does not lower it, even if you check it multiple times.
- If no score appears, you may not have enough credit history yet, or your account may not be set up for online access.
Steps to view your score on the website
Log into your Bank of America account at bankofamerica.com using your username and password. Once you are logged in, look at the main dashboard — this is the page that loads first after you sign in. Your credit score should appear in a box labeled "Credit Score" or "Your Credit Score" near the top or middle of the page, often alongside other account information.
If you do not see it when ready, scroll down the Account Summary page. Some account layouts place the credit score lower on the page. You can also click on the credit score box itself to see more detail, including what factors are affecting your score — for example, whether you have high credit card balances or a short credit history.
Bank of America also provides a brief explanation of what your score means and how it compares to national averages. This context can help you understand whether your score is in a range that would make it easier or harder to borrow money.
Checking your score on the Bank of America mobile app
read the Bank of America mobile app from your phone's app store (Apple App Store for iPhones, Google Play for Android phones). Open the app and log in with the same username and password you use on the website. Your credit score will appear on the home screen or dashboard, usually in a prominent box.
The mobile app shows the same score as the website — they are connected to the same account. You can check your score from the app as often as you want without any penalty. The app also lets you tap on the score to see the factors driving it, just like on the website.
What the score factors mean
When you click on your credit score in Bank of America, you will see a breakdown of what is affecting it. The main factors are: payment history (whether you pay bills on time), credit utilization (how much of your available credit you are using), length of credit history (how long you have had credit accounts), credit mix (whether you have different types of credit like cards and loans), and new credit inquiries (recent times you have applied for credit).
Payment history is the heaviest weight — it makes up about 35 percent of your score. Credit utilization is next at about 30 percent. This means that paying on time and keeping credit card balances low will have the biggest impact on raising your score. The other factors matter less individually but still count.
Bank of America's explanation will tell you which of these factors are helping your score and which are hurting it. For example, it might say "High credit card balances are lowering your score" or "Your on-time payment history is helping your score." This tells you where to focus if you want to improve.
Differences between Bank of America's score and other scores
Bank of America shows you one version of your credit score — FICO Score 8 — but other companies may show you different versions. Credit card companies, car lenders, and mortgage lenders sometimes use FICO Score 9, FICO Auto Score, FICO Mortgage Score, or other versions. These different versions can produce different numbers even though they are all based on the same underlying credit report.
You also have three separate credit reports (one from Equifax, one from Experian, and one from TransUnion), and your score can vary slightly depending on which report is being used. Bank of America typically pulls from one of these bureaus, so the score you see there may not match a score you see from another lender.
This does not mean Bank of America's score is wrong — it just means it is one version of many. The score you see there is still useful because it shows you the general range lenders will see, and the factors affecting it are the same across all versions.
What to do if your score is not showing
If you log in and do not see a credit score, first check that you are looking at the right page. Make sure you are on your Account Summary or home screen, not a page for a specific account like a savings account or credit card. If you still do not see it, your account may not have enough credit history yet — this is common for brand new accounts or accounts that have been closed for a long time.
You can also contact Bank of America directly to ask why your score is not displaying. Call the number on the back of your debit card or credit card, or visit a branch in person. A representative can tell you whether the score will appear once you have more history, or whether there is a technical issue with your account setup.
If you want to check your credit score in the meantime, you can get a free credit report from annualcreditreport.com, which is run by the three credit bureaus. The report itself does not include a score, but it shows you all the accounts and payment history that lenders see, which is what your score is based on.
Why Bank of America shows you your credit score
Bank of America provides this free score as a service to customers, partly to help you understand your financial health and partly to encourage you to use their products. Knowing your score helps you decide whether to explore for a loan or credit card, and it can motivate you to pay bills on time and keep balances low.
The score Bank of America shows you is the same one that most lenders will see, so it gives you a realistic picture of how you look to them. This is different from "educational scores" offered by some other companies, which are estimates and may not match what a real lender sees.
Frequently Asked Questions
Does checking my credit score on Bank of America lower it?
No. Checking your own score is called a "soft inquiry" and does not affect your credit score at all. Only hard inquiries — when a lender checks your score because you applied for credit — can lower your score slightly and temporarily.
How often does Bank of America update my credit score?
Bank of America updates your score once per month, usually around the same date each month. The exact date depends on when the credit bureau sends the updated information to Bank of America.
Can I see my credit score if I do not have a credit card with Bank of America?
Yes. If you have a checking or savings account with Bank of America, you can see your credit score through online banking. You do not need a credit card account.
What if the score Bank of America shows is different from a score another lender showed me?
Different lenders use different versions of credit scores, and your score can vary depending on which credit bureau's information is being used. Bank of America's score is still accurate — it just may not match another lender's version exactly.
Is the credit score Bank of America shows me the same one mortgage lenders will see?
Not necessarily. Mortgage lenders often use a different version of the FICO score than Bank of America shows you. However, the score Bank of America displays is close enough to give you a realistic sense of where you stand.