Where to find your credit score in Bank of America
Bank of America shows your credit score for free in two places: inside your online account under the Credit Monitoring section, and in the mobile app under the same tab. You do not need to pay extra or sign up for a special service — if you have a Bank of America checking or savings account, the score is already available to you.
The score Bank of America displays comes from TransUnion, one of the three major credit reporting companies. This is the same type of score lenders use, though the exact number may differ slightly from what you see elsewhere because different companies use different scoring methods.
You can check your score as often as you want without it affecting your credit. Bank of America updates the score monthly, usually around the same day each month, so checking it weekly will not show you new information.
Key Takeaways
- Bank of America displays your credit score free in your online account or mobile app under Credit Monitoring, updated monthly.
- The score comes from TransUnion and reflects how lenders typically view your creditworthiness, though other companies may calculate slightly different numbers.
- Checking your own score does not lower it, and you can look as often as you want without penalty.
- Bank of America also shows you the factors pulling your score down, which helps you understand what to fix first.
- You can see your full credit report for free once per year from each of the three credit bureaus at AnnualCreditReport.com.
Steps to check your score on the Bank of America website
Log into your Bank of America account at bankofamerica.com using your username and password. Once you are logged in, look for the Credit Monitoring section — this is usually located in the left navigation menu or under a "Accounts" or "Tools" tab, depending on your account type.
Click on Credit Monitoring. Your credit score will display prominently on this page, along with the date it was last updated. Below the score, Bank of America lists the main factors affecting it — for example, "High credit utilization" or "Late payment history." These factors tell you which areas to focus on if you want to improve your score.
If you do not see Credit Monitoring in your menu, your account type may not include this feature. Business accounts and some older account types do not have access. Contact Bank of America customer service to confirm whether your account is may be able to access.
Checking your score in the mobile app
Open the Bank of America mobile app and log in with your username and password. Tap the menu icon (usually three horizontal lines in the top left or bottom right, depending on your phone type) and look for Credit Monitoring or a similar option.
Your score will appear on the same screen as the website version. The mobile app shows the same information — your current score, the date of the last update, and the top factors affecting it. Some users find the mobile app easier to check regularly because it is faster to open than logging into the website.
What the factors mean and how they affect your score
Bank of America breaks down your score into categories that show what is helping or hurting it. The most common factors are 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 (having different types of credit like cards, loans, and mortgages).
If Bank of America shows "High credit utilization," it means you are using a large percentage of your available credit limit. For example, if you have a credit card with a $1,000 limit and a $800 balance, your utilization is 80 percent. Lenders see high utilization as riskier. Paying down the balance or asking for a higher credit limit can improve this factor.
If you see "Late payment history" listed, it means you have missed payments in the past. These hurt your score for seven years from the date of the missed payment, though their impact weakens over time. The best way forward is to make all future payments on time.
The difference between checking your score and checking your credit report
Your credit score is a three-digit number that summarizes your creditworthiness. Your credit report is the detailed record behind that number — it lists every account you have, every payment you have made, and every time a lender has checked your credit. Bank of America shows you the score, but not the full report.
You are may have access to to one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. You can get all three at once or spread them throughout the year. Visit AnnualCreditReport.com, which is the official site run by the three bureaus, to request your reports. This is the only free source — other websites that claim to offer free reports usually require you to sign up for a paid monitoring service.
Checking your full credit report is useful because it can reveal errors, fraud, or accounts you do not recognize. Bank of America's score tells you how you are doing overall, but the full report tells you why.
Why Bank of America shows only one score
You actually have multiple credit scores — different companies calculate them differently, and lenders may use different versions depending on what they are lending for. A mortgage lender might use one score, a credit card company another, and an auto lender a third. Bank of America shows you the TransUnion score because that is the one they use internally when reviewing your accounts with them.
The TransUnion score Bank of America displays is a reasonable snapshot of your credit health, but it is not the only number that matters. If you are about to explore for a mortgage or auto loan, ask the lender which score they use, because that is the one that will actually affect whether you are approved.
What to do if you cannot see your credit score
If you log in and do not see Credit Monitoring, first check that you are looking in the right place. The location varies by account type — it might be under Tools, Accounts, or a dedicated Credit section. Use the search function in your account (usually a magnifying glass icon) and search for "credit score" or "credit monitoring."
If the search does not find it, your account type may not include this feature. Business accounts, student accounts, and some older personal accounts do not have access. Call Bank of America customer service at the number on the back of your debit or credit card and ask whether your account is may be able to access for Credit Monitoring. If it is not, you can still get your free credit report once per year from AnnualCreditReport.com.
Frequently Asked Questions
Does checking my credit score on Bank of America hurt my credit?
No. When you check your own score, it is called 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 and temporarily.
How often does Bank of America update my credit score?
Bank of America updates your score once per month, usually on the same day each month. The exact date depends on when your credit report updates with TransUnion. Checking your score multiple times in one week will show you the same number.
Can I dispute errors on my credit report through Bank of America?
No. Bank of America only shows you the score, not the full report, and they cannot dispute errors for you. If you find an error, you must contact the credit bureau directly — Equifax, Experian, or TransUnion — or dispute it through AnnualCreditReport.com when you request your free report.
What if my Bank of America score is different from other scores I have seen?
Different companies calculate scores differently, and they may use different versions of your credit report. Bank of America shows the TransUnion score, but other lenders or credit monitoring sites may show you Equifax or Experian scores, or different scoring models. A difference of 10 to 50 points is normal and not a sign of an error.
Is Bank of America's credit monitoring service the same as credit monitoring I pay for elsewhere?
Bank of America's free service shows you your score and the main factors affecting it. Paid credit monitoring services usually add features like alerts when your credit report changes, identity theft protection, or dispute resolution help. For most people, the free Bank of America score is enough to track your progress.