Description
In this Bank of America tutorial, I show you exactly how to check your credit score for free inside the Bank of America app step by step. You'll learn where to find the View Your FICO Score option, what a FICO score means, why checking your own score does not hurt your credit, and how Bank of America shows your latest FICO Score 8 based on Experian data. I also explain the five main factors that impact your credit score, how to read your score range, and why your lender’s score may not always match the number you see in the app. 💳📊
⏱️ TIMESTAMPS
00:00 – How to Check Your Credit Score for Free
00:38 – What a FICO Score Means
01:39 – How to View Your Latest Score
03:34 – What Impacts Your FICO Score
05:14 – Final Credit Score Tips
Checking your credit score with Bank of America is simple, free, and can be done directly inside the Bank of America app.
In this video, I walk through the full process, including how to open one of your Bank of America credit cards, scroll to the credit score section, and tap View Your FICO Score.
I also explain what a FICO score actually means. Your FICO score is a number between 300 and 850 that lenders use to understand how risky it may be to lend you money. The higher the score, the better your credit profile usually looks to lenders.
You will also learn why checking your own credit score does not hurt your credit. Looking at your own score is considered a soft inquiry, while a hard inquiry usually happens when you apply for a new credit card, loan, mortgage, or other credit product.
Bank of America shows your FICO Score 8 based on Experian data, but it is important to understand that you do not have only one credit score. Different lenders may use different credit bureaus and different FICO score versions, so the score you see in the app may not match every lender exactly.
I also break down the five main factors that impact your FICO score: payment history, amounts owed, length of credit history, new credit, and credit mix. This section can help you understand why your score changed and what to focus on if you want to build stronger credit.
You will also learn how to refresh your score, review score details, and explore Bank of America’s identity monitoring tools inside the app.
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