My Credit1 — your FICO® Score2 and credit monitoring tool

Check your FICO® Score and credit activity, get alerts, view your credit report and more — free with My Credit.

Get your FICO® Score

Take control of your credit health

My Credit is free and won't impact your credit score.

  • View your credit report and personalized insights.
  • Stay up to date with alerts about FICO® Score impacts.
  • Get notified about suspicious activity on your credit profile.

Available in the Mobile Banking app3 and Online Banking.

My Credit features:

My Credit features:

Get your FICO® Score

FICO® Score

Get your FICO® Score and see which factors are impacting it. Use the FICO® Score Planner to help achieve your score goal. Get email alerts when your score changes or when you reach certain goals

Personalized insights

See which specific factors are impacting your credit score, including:

  • Payment history
  • Amount of debt
  • Length of credit history
  • Amount of new credit
  • Credit mix

Credit Score history

View your credit score history and what's causing changes in your FICO® Score each month.

Credit report

View up-to-date details of your credit report, including:

  • Credit inquiries
  • Revolving credit accounts
  • Collection accounts
  • Real estate credit accounts

Resource Center

Make the most of digital banking with resources that can help with everyday questions.
A phone showing the security meter with a high level of security.

Security Center

Learn red flags of trending scams and how you can help to prevent fraud and identity theft.

Check your security meter level

Learn more
A customer explores digital tools on his phone.

Financial Wellness Tools

Build your financial foundation with personalized support, easy-to-use digital tools and solutions.

Bank of America Life Plan®4

Spending & Budgeting Tool5

Credit Management & Credit Scores

Get started
A sample screen of someone asking Erica®, their virtual financial assistant, to check their FICO® Score in the Mobile app.

Erica®6 in the Mobile app

Tap the Erica icon, then talk or type.

  • Check my FICO® Score
  • View my credit report
  • Why did my FICO® Score change?

And much more

Ask Erica
Scan the QR code to download our app. Bank of America Online Banking log in screen on a mobile device.

Bank simply and conveniently on your own schedule

Get the app

Enter your cell phone number
Send

By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.
Terms and Conditions

Get the app

By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.
Terms and Conditions