How to Check Your Credit Score Through Bank of America

Where to find your credit score in Bank of America online banking

Bank of America shows your credit score free in two places: inside your online account under the Credit Monitoring section, and through the mobile app under the same heading. You do not need to pay for a separate service or sign up for anything extra — if you have a Bank of America checking or savings account, the feature is already available to you.

To access it on a computer, log into your Bank of America account, then look for "Credit Monitoring" in the left navigation menu or search for it using the search bar at the top. On the mobile app, tap the menu icon (three horizontal lines), scroll down to find "Credit Monitoring," and tap it. Your current credit score appears on the main screen along with a graph showing how it has moved over the past few months.

The score Bank of America displays comes from TransUnion, one of the three major credit reporting agencies. This means it reflects the information TransUnion has on file about your credit history — your payment history, how much debt you carry, how long your accounts have been open, and other factors. The score updates monthly, usually around the same date each month.

Key Takeaways

• Bank of America customers can view their credit score free through online banking or the mobile app under Credit Monitoring, with no extra signup required.
• The score comes from TransUnion and updates once per month, so checking it more frequently than that will show the same number.
• Bank of America displays only one credit score (from TransUnion), but lenders may use scores from Equifax or Experian instead, so your actual score with a specific lender could differ.
• The credit score shown is for informational purposes and does not affect your Bank of America account or any decisions the bank makes about your existing accounts.

What the credit score number actually means

Credit scores range from 300 to 850, and higher numbers mean lower risk to lenders. A score of 670 or above is generally considered good, though different lenders set their own thresholds for what score they require. Bank of America's display includes a color-coded range showing where your score falls — green for good, yellow for fair, and red for poor — so you can see at a glance how your score compares to typical lending standards.

The score is built from five main factors: payment history (35 percent of the score), amounts owed on credit accounts (30 percent), length of credit history (15 percent), credit mix or variety of account types (10 percent), and new credit inquiries (10 percent). If your score is lower than you expected, the Credit Monitoring section often shows which of these factors is pulling it down the most. For example, if you recently missed a payment or ran up a high balance on a credit card, that will be flagged.

Why your Bank of America score might differ from other scores you see

You may see different credit scores on different websites or from different lenders, and this is normal. Bank of America pulls from TransUnion, but Equifax and Experian are also major credit bureaus, and each maintains its own file on you. Your score can vary between them because they do not always receive the same information at the same time, and they may weight factors slightly differently.

Additionally, there are many versions of credit scores beyond the standard 300-to-850 range. Some lenders use industry-specific scores (like a mortgage score or auto loan score), and some use newer scoring models. When you explore for a mortgage, car loan, or credit card, the lender may pull a score from a different bureau or use a different scoring model than Bank of America does. This is why a score of 720 from Bank of America does not may provide you will be approved for a loan — the lender's own score pull may show something different.

How often Bank of America updates your credit score

Bank of America updates your credit score once per month, typically on the same date each month. The exact date depends on when TransUnion sends the updated information to Bank of America, which can vary slightly. If you check your score multiple times in a week, you will see the same number — the monthly update is the only time it changes.

Your actual credit file at TransUnion updates more frequently than once a month. Creditors report new information to the bureaus throughout the month, and those changes take effect in your file. However, Bank of America only pulls and displays a snapshot once monthly, so you will not see real-time changes. If you need to monitor your credit more frequently — for example, to watch for fraud — you can check your free annual credit report from each bureau at AnnualCreditReport.com, though that report does not include a score.

What Bank of America credit monitoring does and does not do

The credit score display is informational only. Viewing your score through Bank of America does not affect your credit in any way, and it does not trigger a hard inquiry that would lower your score. Bank of America also does not use this score to make decisions about your existing accounts with them — your checking account, savings account, or credit card status will not change based on what the monitoring shows.

Bank of America's Credit Monitoring feature shows your score and a breakdown of the factors affecting it, but it does not include identity theft monitoring, fraud alerts, or credit freeze management. If you want those protections, you would need to set them up separately through the credit bureaus themselves or through a third-party monitoring service. Some Bank of America credit cards do include additional monitoring features, so check your specific card's benefits if you hold one.

Steps to improve a credit score after checking it

Once you know your score and what is pulling it down, the most effective steps are usually straightforward. If payment history is the issue, set up automatic payments or calendar reminders so you do not miss due dates — even one late payment can lower your score significantly. If amounts owed is the problem, focus on paying down credit card balances, especially on cards where you are using more than 30 percent of your available credit limit.

Building credit takes time. A missed payment can stay on your report for seven years, but its impact weakens over time, especially if you build a pattern of on-time payments afterward. If you have old negative marks, continuing to pay on time is the most reliable way to improve your score. Checking your score monthly through Bank of America lets you track whether these changes are working — you should see gradual improvement over months, not weeks.

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 score at all. Only hard inquiries — when a lender pulls your credit because you applied for a loan or credit card — can lower your score slightly. Bank of America's monitoring is purely informational.

Can I see credit scores from Equifax or Experian through Bank of America?

No, Bank of America only displays the TransUnion score. If you want to see scores from the other two bureaus, you can check AnnualCreditReport.com for free credit reports (though those do not include scores), or use a third-party service that pulls from multiple bureaus. Some credit card companies also offer scores from different bureaus.

What should I do if my Bank of America credit score seems wrong?

First, check that you are looking at the right score — Bank of America shows the TransUnion score, which may differ from Equifax or Experian. If you believe the TransUnion score itself contains errors, you can dispute inaccurate information directly with TransUnion through their website or by mail. You have the right to dispute any item on your credit report.

Will my credit score affect my Bank of America account or interest rates?

Your credit score does not affect your existing Bank of America checking or savings account. However, if you explore for a new Bank of America credit card or loan, the bank will pull your credit and use that information to decide whether to approve you and what interest rate to offer. The monitoring score is separate from that decision.