You can see your credit score directly in the Bank of America mobile app without leaving the process
Bank of America shows your credit score in the app under a section called Credit Tracker. The score updates monthly, usually around the same date each month. You do not need to request anything or take extra steps — if your account is may be able to access, the feature is already there waiting for you to look at it.
Not every Bank of America customer sees Credit Tracker. The feature is available to customers with certain account types and credit products. If you have a Bank of America credit card or a mortgage with them, you are more likely to see it. Customers with only a checking account may not have access.
The score you see comes from Equifax, one of the three major credit bureaus. This is the same bureau Bank of America uses to monitor your account risk, so the number reflects how they see your creditworthiness. It is not the only score that matters — lenders may pull from Experian or TransUnion instead — but it gives you a useful snapshot of where you stand.
Key Takeaways
- Open the Bank of America app, tap the menu icon, and look for Credit Tracker to find your current credit score.
- Your score updates once per month and comes from Equifax, one of the three major credit reporting agencies.
- Credit Tracker is only available to certain customers, usually those with a Bank of America credit card or mortgage.
- The score you see in the app is informational and may differ from scores other lenders pull when you request credit.
Where to find Credit Tracker in the app
Open the Bank of America mobile app and sign in with your username and password. At the bottom of the screen, you will see a menu bar with several icons. Tap the menu icon — it usually looks like three horizontal lines or a grid of dots, depending on your phone's operating system.
Scroll through the menu options until you see Credit Tracker or Credit Score. Tap it. The app will display your current credit score, the date it was last updated, and sometimes a brief explanation of what factors are affecting your score most.
If you do not see Credit Tracker in the menu, your account may not be enrolled in the feature. This does not mean something is wrong — it means your account type does not currently may have access to. You can still check your credit score through other means, which are covered later in this guide.
What the score means and how often it updates
The credit score Bank of America shows you is your VantageScore, calculated by Equifax. It ranges from 300 to 850, the same scale as a FICO score, but the calculation method is different. VantageScore weights recent payment history more heavily and can update more frequently than traditional FICO scores.
Bank of America updates your Credit Tracker score once per month. The update usually happens on the same calendar date each month, though the exact date can shift slightly depending on when Equifax processes the data. You will see the update date displayed in the app so you know when to expect the next refresh.
The score reflects your credit behavior as of the date Equifax pulled the data, which is typically a few days before the update appears in your app. This means the number you see is not real-time, but it is current enough to give you an accurate picture of your credit standing.
Why your Bank of America score might differ from other scores
If you check your credit score elsewhere and it does not match the number in Bank of America's app, that is normal. Several reasons explain the difference. First, Bank of America uses VantageScore from Equifax, but other lenders may pull FICO scores from Equifax, Experian, or TransUnion. Each bureau has slightly different information about you, and each scoring model weights that information differently.
Second, the timing matters. Your credit profile changes constantly — new charges, payments, inquiries, and account changes all shift your score. If you checked your score on a different site last week and check it in the Bank of America app today, the numbers will likely differ just because time has passed and your credit activity has changed.
Third, some lenders use industry-specific scores. A mortgage lender might pull a mortgage score, an auto lender might pull an auto score, and a credit card issuer might pull a general credit score. These are all calculated differently and will not match each other.
What to do if Credit Tracker is not available on your account
If you have looked through the Bank of America app menu and cannot find Credit Tracker, your account does not currently have access to the feature. This usually happens if you have only a basic checking account with no credit products attached to it.
You have other options to check your credit score. You can request a free credit report from each of the three bureaus once per year at AnnualCreditReport.com. That site is run by the three bureaus themselves and is the official source for free reports. The reports do not include a score, but they show you the information lenders are seeing.
You can also check your score through other financial institutions. Many banks, credit card issuers, and online lenders now show credit scores to their customers for free. If you have a credit card from another bank, log into that app and look for a credit score or credit monitoring feature. Credit Karma and similar free services also show credit scores, though they use different scoring models than Bank of America does.
How Bank of America uses your credit score internally
The credit score Bank of America displays in Credit Tracker is the same score they use to monitor your account. If you have a credit card with them, they may use this score to decide whether to increase your credit limit, lower your interest rate, or send you targeted offers. If you have a mortgage or other loan, they use it to track whether you remain a low-risk borrower.
Seeing your score in the app gives you insight into how Bank of America sees your creditworthiness. If the score is high, you are in a strong position with them. If it is low or declining, you know they may be watching your account more closely or considering you a higher risk.
This does not mean Bank of America will close your account or take action based on a single low score. Banks monitor scores over time and look for trends. A one-month dip is less concerning than a steady decline. But having visibility into the score they see is useful information for managing your relationship with them.
Steps to monitor your score over time
Once you have found Credit Tracker, check it monthly to watch your score trend. The best practice is to look at the same date each month, right after the update happens. This gives you a consistent view of how your credit behavior is affecting your score.
Keep track of what changes when your score moves. If your score dropped, look at what happened that month — did you miss a payment, open a new account, or increase your credit card balance? If your score improved, note what you did right. Over time, you will see patterns in what helps and hurts your score.
Remember that your Bank of America score is one data point. When you actually request credit — for a mortgage, auto loan, or new credit card — lenders will pull their own scores, which may be different. But the trends you see in Credit Tracker are real and reflect your actual credit behavior, so they are worth paying attention to.
Frequently Asked Questions
Does checking my credit score in the Bank of America app hurt my credit?
No. Checking your own credit score is a soft inquiry and does not affect your credit score at all. Only hard inquiries — when a lender pulls your credit because you applied for new credit — can lower your score slightly. Bank of America checking your score internally also does not count as a hard inquiry.
Can I see my credit score if I do not have a Bank of America credit card?
It depends on your account type. Customers with Bank of America mortgages, home equity lines of credit, or certain other loan products may see Credit Tracker even without a credit card. Customers with only a checking account typically do not have access. Contact Bank of America directly to confirm whether your specific account qualifies.
Why does my Bank of America score look different than my FICO score?
Bank of America shows a VantageScore from Equifax, not a FICO score. VantageScore and FICO use different calculation methods, so the numbers will not match. Additionally, if your FICO score came from a different bureau (Experian or TransUnion), it reflects different information about your credit history. Both scores are legitimate; lenders just use different ones.
How often should I check my credit score in the app?
Checking once per month is enough to track trends without obsessing over small daily changes. Since Bank of America updates the score only once per month, checking more frequently will not show you anything new. Monthly checks help you spot patterns in how your behavior affects your score.
What if my credit score seems wrong?
If you believe the score is inaccurate, the issue is likely with the information Equifax has on file, not with Bank of America's display of it. You can dispute inaccurate information directly with Equifax through their website or by mail. Request your free credit report from AnnualCreditReport.com to see what information Equifax is using to calculate your score.