Bank of America shows your credit score free through online banking and the mobile app

If you have a Bank of America checking or savings account, you can see your credit score without paying anything or leaving your account. Bank of America displays your FICO Score 8, which is the version most lenders use when deciding whether to approve you for a loan or credit card. The score updates once a month, usually around the same date each month.

You do not need a special product or membership tier to see it. Any customer with online banking access can find their score in seconds. The score appears in your account dashboard, and you can also see it in the mobile app if you use that to bank.

Key Takeaways

  • Your Bank of America credit score is visible in online banking under the Credit Monitoring section, updated monthly at no cost.
  • The score shown is FICO Score 8, the version most commonly used by lenders for credit decisions.
  • You can view your score on the website, the mobile app, or both — they show the same information.
  • Bank of America also provides a breakdown of what factors are affecting your score, such as payment history or credit utilization.

Where to find your score in online banking

Log into your Bank of America account at bankofamerica.com using your username and password. Once you are logged in, look for the section labeled Credit Monitoring or Credit Score — the exact name varies slightly depending on your account type, but it appears on your main dashboard or in the left-hand menu.

Click on that section and your FICO Score 8 will display when ready. Below the number, Bank of America shows a range (typically 300 to 850) and where your score falls within that range. You will also see the date the score was last updated.

If you cannot find the Credit Monitoring section, your account may not have online banking set up yet. You can set up it by calling Bank of America at 1-800-933-6262 or visiting a local branch with your ID.

Checking your score on the mobile app

Open the Bank of America mobile app and sign in with your username and password. Tap the menu icon (three horizontal lines) at the bottom right of the screen. Scroll down and select Credit Monitoring or Credit Score.

Your score will appear on the next screen with the same information as the website version — your current score, the range, and the last update date. The app version is often faster to load if you are checking on the go.

Make sure you have the official Bank of America app, not a third-party app claiming to show your score. The official app is available free on both iPhone and Android.

What the factors section tells you

Below your score number, Bank of America lists the main factors affecting your credit. These typically include payment history (whether you pay on time), credit utilization (how much of your available credit you are using), length of credit history (how long you have had accounts open), and credit mix (whether you have different types of credit, like cards and loans).

Each factor shows whether it is helping or hurting your score. For example, if you see "High credit card balances" listed as a negative factor, that means you are using a large percentage of your available credit limit, and paying those balances down would likely raise your score.

This breakdown is useful because it tells you which specific actions might improve your score over time. You do not have to act on all of them at once — focusing on the one or two factors listed as most negative will usually have the biggest impact.

How often the score updates

Bank of America updates your credit score once per month. The update date is usually the same day each month, though it can shift by a day or two depending on weekends or holidays. You will see the exact update date displayed next to your score.

The score reflects information from your credit report at the three major credit bureaus: Equifax, Experian, and TransUnion. Bank of America pulls from one or more of these bureaus, but the exact source varies by account type.

If you make a large payment or open a new account, you will not see the change reflected in your Bank of America score until the next monthly update. This is normal — credit bureaus do not update in real time.

The difference between Bank of America's score and other scores

The score Bank of America shows you is FICO Score 8, which is widely used by banks and credit card companies. However, other lenders sometimes use different FICO versions (like FICO Score 9 or 10), and some use non-FICO scores like VantageScore. Your Bank of America score may differ slightly from a score you see elsewhere, even if both are FICO scores.

This does not mean one is wrong. Different scoring models weight the same information differently. A FICO Score 8 of 720 might correspond to a VantageScore of 730, for example. What matters is that your Bank of America score gives you a reliable picture of how lenders using FICO Score 8 will view your credit.

If you want to see your full credit report (not just your score), you can request it free once per year from each of the three bureaus at annualcreditreport.com. That report shows every account, payment, and inquiry on your credit history.

What to do if you cannot see your score

If you log in and do not see a Credit Monitoring section, your account may not be enrolled in the service. Some older accounts or accounts opened before the feature was added may need to be manually activated. Call Bank of America at 1-800-933-6262 and ask to enroll in credit monitoring.

You can also visit a Bank of America branch in person with your ID and ask a representative to turn on credit monitoring for your account. This usually takes just a few minutes and does not cost anything.

If you recently opened your account, it may take a few weeks for your credit score to appear. Bank of America needs time to receive your credit information from the bureaus. If it has been more than a month and you still do not see a score, contact the bank to confirm your account is set up correctly.

Frequently Asked Questions

Does checking my credit score through 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 checks your credit because you applied for a loan or credit card — can lower your score slightly. Bank of America's credit monitoring is designed for you to check as often as you want without any penalty.

Can I see my credit score if I do not have a Bank of America credit card?

Yes. You can see your score with any Bank of America checking or savings account. You do not need a credit card with the bank. If you have a savings account and online banking access, you can find your score the same way.

What if my Bank of America score is different from my score on another website?

Different companies use different scoring models or pull from different credit bureaus at different times. Your Bank of America score (FICO Score 8) may be a few points higher or lower than a score from another source. As long as the difference is small, both scores are accurate — they are just measuring slightly different things.

How do I improve my credit score?

The factors Bank of America shows you — payment history, credit utilization, length of history, and credit mix — are the main levers. Pay all bills on time, keep credit card balances below 30 percent of your limit, and avoid closing old accounts. Changes usually take one to three months to show up in your score.

Can I read or print my credit score from Bank of America?

You can take a screenshot of your score on the app or website. Bank of America does not offer a formal read or PDF export of the credit monitoring page, but a screenshot works for most purposes, such as showing a lender or keeping your own records.