Posted by Chuck on March 29, 2016
Credit Cards

Published on March 29th, 2016 | by Chuck

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Bank of America Free FICO Score is Now Available for Many

Bank of America is now allowing many of us to enroll for a free FICO score monitoring benefit which shows the Transunion FICO score in their credit card login.

Screen Shot 2016-03-29 at 1.37.12 PM

At the beginning of 2015, President Obama announced at a speech at the Federal Trade Commission that a number of financial institutions would be offering consumers access to their FICO score for free, one of them being Bank of America.

Back in December, we reported that by the end of the first quarter 2016 all BofA cardholders will have access to the FICO benefit. Although this hasn’t materialized completely, many of us are now seeing the credit score option in our BofA credit card login. If you don’t see it yet, try this link and see if it works for you; otherwise, the benefit will hopefully come soon.

At this time, the FICO® Score Program is not available for all eligible consumer credit card customers and it is not yet available through Mobile Banking Apps or Mobile Web.

Additional Details

  • The score offered is the TransUnion FICO8 classic score
  • You will be able to view up to a 12-month history of your FICO Scores, starting when you enroll and for each month up to 12 months after enrollment; after 12 months, the history display will re-start
  • Cardholders need to opt-in (“enroll”) to get access to the credit score; you can unenroll at any time
  • Using this benefit does not affect your credit score
  • You’ll get an email when an updated score is available; you can opt-in for text alerts as well
  • To access the credit score, go to ‘Tool and Investing’ > ‘Spending and cash flow’ > ‘Learn about credit scores NEW’ (see picture above)
  • You can see the official terms of the credit score at this link (login required), starting at #11

HT: bluntandpointless on Reddit



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Master Allan
Master Allan

I’m sure the credit bureaus hate this. There was a time that people actually paid $9.95 to see their FICO score!

William Charles

Don’t think they mind, instead of selling one report for $9.95 they are selling like 20 million reports to the card issuers.

mk712
mk712

I don’t have it yet. I have 3 BBR cards with BoA. No link in the menu, and when I use your link I get “There was a problem processing your request. System is temporarily unavailable. Please try again later.”

Not that I really care, I already have my TransUnion FICO score from both Discover and Barclay.

JJ N
JJ N

To clarify, we only need to be card members and enroll with their online program. We do not need a formal checking account with BOA?

William Charles

Correct

Filip
Filip

Still nothing for me – have Travel Rewards and Money Rewards, based in Cali.

Wyle
Wyle

Worked for me, but only showed 5 months of FICO history, not 12. It did say something about being linked to a “qualified” card. I have 2 that are older than 12 month, but 5 months corresponds to their generic Cash Rewards card I got in November. Not an issue for me, just a datapoint.

gary
gary

Mine showed up but their trans union score is vastly different than the credit karma (70+ points) using the same as of date. they say they use the fico 8 scoring compared to the credit karmas vantage 3.0.

the interesting thing is that my tu and equifax score vary alot on credit karma and there are minimal differences between the 2 reports. # inquiries and age of accounts shows 1 month less for tu comp to eq. In fact the bofa TU score is close to my credit karma eq score (4 point diff).

bofa and credit karma eq (my score is over 800), bit only in the 730’s on tu in credit karma

a few points is not a big deal but 70+, thats a different story

Carlos Bracho
Carlos Bracho

I get this info

There was a problem processing your request.
To get your FICO® Score for free, you must have a Bank of America issued consumer credit card that’s in good standing, is active in Online Banking and also has a US address.

And i have a credit card with a good limit and never late on payment. What could be the issue

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