Bank of America shows you your credit score for free through online banking
If you have a Bank of America checking or savings account, you can see your credit score without paying anything. The bank displays your score directly in your online account or mobile app — you do not need to request it separately or visit another website. The score updates monthly, usually around the same date each month.
Bank of America pulls your score from Equifax, one of the three major credit reporting agencies (companies that track your borrowing and payment history). The score you see is called a FICO Score, which is the type most lenders use when deciding whether to approve you for a loan or credit card. Seeing this number helps you understand how lenders view your financial history before you explore for anything.
Key Takeaways
- Your Bank of America credit score appears in your online account under a section labeled "Credit Insights" or similar, and updates once per month at no cost.
- The score comes from Equifax and is a FICO Score, the same type lenders use to make decisions about loans and credit cards.
- You can check your score as often as you want without harming it — viewing your own score does not lower it.
- Bank of America also shows you factors that helped or hurt your score, so you can see what changed month to month.
- The score you see through Bank of America is one of several FICO Scores you have; different lenders may see slightly different versions.
Where to find your credit score in Bank of America online banking
Log into your Bank of America account at bankofamerica.com or open the mobile app. Once you are logged in, look for a section called "Credit Insights," "Credit Score," or "Credit & Loans" — the exact name varies depending on your account type and whether you are using the website or app.
On the website, this section usually appears in the left navigation menu or under a "Manage" or "Tools" heading. On the mobile app, it may be a tab at the bottom of the screen or accessible through the menu. If you cannot find it when ready, use the search function within the app or website and type "credit score."
Once you open the Credit Insights section, your current FICO Score appears prominently at the top. Below it, you will see a breakdown of what factors are helping your score (like on-time payments) and what factors are hurting it (like high credit card balances). This breakdown changes as your financial behavior changes.
What you need to see your score
You must be logged into an active Bank of America checking or savings account. If you have a credit card with Bank of America but no deposit account, you may still be able to see your score through the credit card login, though the location may differ.
You do not need to request anything in advance or contact the bank. The score is available to you automatically once you log in. If you do not see a Credit Insights section after logging in, your account type may not include this feature — in that case, you can call Bank of America at 1-800-432-1000 to confirm whether your account is set up to display it.
How often your score updates and what that means
Bank of America updates your credit score once per month. The update usually happens on the same date each month, though the exact date varies by account. You can check your score as many times as you want between updates — checking it yourself does not change it or lower it.
Your actual credit score, as seen by lenders, may change more frequently than once a month because credit reporting agencies update their records whenever you make a payment, open a new account, or miss a payment. Bank of America's monthly snapshot is a point-in-time view, not a real-time one. If you need to know your score on a specific date for a loan process, ask the lender what date they pulled it — that will be more accurate than Bank of America's monthly update.
Understanding the score factors Bank of America shows you
Below your credit score number, Bank of America lists the main factors affecting it. 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), credit mix (whether you have different types of credit like cards and loans), and recent inquiries (how many times you have applied for new credit recently).
Each factor shows whether it is currently helping or hurting your score. For example, if your credit card balance is very high compared to your limit, you will see "high credit utilization" listed as a negative factor. If you have made all your payments on time for several months, you will see "on-time payment history" listed as a positive factor. These details help you understand what to focus on if you want to improve your score.
Why your Bank of America score may differ from other scores you see
You have multiple credit scores, not just one. Different companies calculate scores differently, and different lenders may use different versions. Bank of America shows you one specific FICO Score from Equifax, but you also have FICO Scores from the other two major reporting agencies (TransUnion and Experian), and you may have non-FICO scores as well.
These scores can differ by 50 points or more because each reporting agency may have slightly different information about you, and different scoring models weight factors differently. If you are explore for a mortgage, the lender may pull scores from all three agencies and use a different calculation than the one Bank of America shows you. The Bank of America score is useful for tracking your general credit health, but do not assume it is the exact number a lender will see.
What to do if you cannot see your score
If you log into Bank of America and do not see a Credit Insights or Credit Score section, your account may not be enrolled in the feature. Some account types, particularly older accounts or those opened before the feature was available, may not have access.
Call Bank of America at 1-800-432-1000 and ask whether your account is set up to display your credit score. If it is not, ask what you need to do to enable it. You can also visit a Bank of America branch in person and ask a representative to help you access the feature or explain why it is not available on your account.
Frequently Asked Questions
Does checking my credit score through Bank of America lower my score?
No. When you check your own credit score, it does not affect your score at all. Only when a lender or creditor checks your score (called a "hard inquiry") can it lower your score slightly. You can check your Bank of America score as often as you want without any impact.
Is the credit score Bank of America shows me the same one lenders see?
It is a FICO Score, which is what most lenders use, but it may not be the exact version they see. You have multiple FICO Scores from different reporting agencies, and lenders may use a different calculation. The Bank of America score gives you a good sense of your credit health, but the lender's version may be slightly different.
Can I see my credit score if I only have a Bank of America credit card?
It depends on your card type. Some Bank of America credit card accounts include credit score access through the card login, but not all do. Log into your credit card account and look for a Credit Insights section, or call 1-800-432-1000 to ask whether your card includes this feature.
What if my Bank of America score seems wrong?
If your score seems inaccurate, the issue is likely with the information Equifax has about you, not with Bank of America's display. You can request a free credit report from Equifax at annualcreditreport.com and look for errors. If you find mistakes, you can dispute them directly with Equifax.
How is Bank of America's credit score different from the free score I can get elsewhere?
Bank of America's score is a FICO Score, which is the industry standard that most lenders use. Some other free scores online are non-FICO scores that use different calculations and may not match what lenders see. The Bank of America score is generally more useful for understanding how lenders will view you.