9/14/2023
Do you have a Bank of America credit card? Today we'll show you how to check your credit score for free through the bank's Online Banking and Mobile Banking.
Information about your FICO® Score
The FICO® Score is a 3-digit number that ranges from 250 to 900 with the lowest numbers having the worst score and the highest numbers having the best score.
This is a score that is used by most lenders when qualifying the risk of a loan, depending on your score you will not only be able to access larger amounts, but also better conditions in the interest you will have to pay.
You can learn more about what it is and how the credit score is calculated in this article we published previously.
Check your credit score with Bank of America
As we said at the beginning of the article, if you are a Bank of America customer and you have a personal credit card you can check your credit score for free, if you are not and you are interested you can see the Bank of America credit cards.
To check your credit score you can do it from Online Banking and Mobile Banking, either through the web or from the bank's App.
All you need to do is sign up on this website and you will receive your free TransUnion® FICO® Score on a monthly basis.
In addition to the score, you'll learn what factors affect your score, track recent scores and compare them to national averages, and learn how to maintain a healthy score.
How often does Bank of America update my score?
Your score will be updated once a month based on the information contained in your TransUnion credit report at that time.
However, you can log in as many times as you like to check your score as well as your score history.
Does receiving the score affect my credit?
No, not at all. Receiving your FICO® Score does not affect your credit score in any way. It is information that the bank wants to provide to its customers to make them aware of their financial situation and educate them to keep it healthy.
How can I improve my credit score?
Your credit score is mainly shaped by your credit habits, good and bad, meaning that if you pay your bills on time, keep credit balances low and don't apply for too many credit cards you can improve your situation.
On the contrary, if you do not pay your obligations on time, have debts, etc. your credit score will get worse.
In this previous article we compiled several options to raise your score quickly, such as extending the credit limits of your cards, signing up for new ones, paying your cards several times a month or becoming an authorized borrower on someone else's card with a good score.
Español: ¿Cómo checar tu score de crédito con Bank of America?