"BoA is moving from just supplying a FICO score to a more full-featured portal — similar to Chase Credit Journey. They now provide your FICO 8 based on Experian data, along with a full credit report and tools. Before this, BoA only showed your FICO 8 from TransUnion and a score history graph. This is a much-needed improvement."
BoA had one of the most bare-bones credit tools among major banks. They provided a single FICO score with a graph. That's it. The new "My Credit" platform, rolled out in early 2026, changes what BoA customers have access to — and what they need to know about it.
BoA previously showed only your TU FICO 8 score — one bureau, one model, no report. You had to go elsewhere for anything more detailed. No credit report access, no factor breakdown, no monitoring alerts.
The new platform switched to Experian-based FICO 8 and added full credit report access — similar to what Amex and Wells Fargo ("Credit Close Up") offer. You can now see the actual tradelines, not just the score.
The old portal was essentially just a monthly score update with a line graph showing movement over time. No dispute tools, no factor analysis, no monitoring alerts, no educational content. Bare minimum.
The upgraded platform includes factor analysis showing what's helping and hurting your score, monitoring for report changes, and educational tools. First mentioned in November 2025, fully rolled out by early 2026.
The monthly updated FICO 8 score is now sourced from Experian instead of TransUnion. This matters because your EX and TU FICO 8 scores can differ — sometimes significantly. BoA flipped the bureau they pull without much fanfare.
Bureau Changed: TU → EXCardholders can now access their full Experian credit report directly through the BoA app or portal. This is the most significant new feature — you can now dispute items, see all tradelines, and review full account histories without leaving BoA's interface.
New FeatureThe platform now surfaces the key factors impacting your score — what's helping, what's hurting, and what's changed month over month. Similar to Amex's and Experian's consumer credit portals.
New FeatureEnrollment in credit monitoring with alerts for changes to your Experian report — new accounts opened, inquiries, late payments reported. Not real-time, but meaningful for catching errors quickly without a paid monitoring subscription.
New FeatureThe original score history graph is still present. The data now reflects EX FICO 8 going forward. Historical TU data may not align with the new EX baseline, so don't be confused if your history graph shows a perceived "jump" at the rollout date.
Watch the Bureau ShiftBoA has integrated financial education content — similar to what Wells Fargo and Chase provide. Generically useful for their mass market customer base, but nothing that replaces actual credit strategy or dispute work for people with complex files.
Basic EducationFree to anyone — you don't need a Chase account. Shows VS 3.0 from Experian with weekly updates, dark web monitoring, and a simulated score tool. Not a real FICO — but useful for direction.
Switched from TU FICO 8 to EX FICO 8 with the 2026 "My Credit" launch. Now includes full Experian report and monitoring. One of the biggest improvements among bank-provided credit tools this year.
Shows Experian FICO 9 — notably the only major bank providing FICO 9 free. Includes full report access, score factor breakdown. FICO 9 is more forgiving of paid collections and medical debt than FICO 8.
Free to anyone. Shows VS 3.0 from Experian with monthly updates and full report access. Similar to Chase Credit Journey. Not a FICO, not decision-grade — but free and bureau-level access matters.
Free to anyone — no Discover account required. Shows EX FICO 8 monthly. Clean and simple. One of the best free FICO 8 sources because it's an actual FICO score with no tricks.
Free to anyone. Shows TU VantageScore 3.0 with weekly updates and dark web monitoring. Not a FICO — useful for tracking trends. Available even without a Cap One account.
EX FICO 8 is one of the most commonly pulled bureau-model combinations for credit cards and personal loans. Having free monthly EX FICO 8 access through BoA is genuinely useful — particularly for timing applications when you know your EX score is at its peak.
Wells Fargo provides the only widely available free FICO 9 access. FICO 9 ignores paid collections and weights medical debt differently — for clients with collections work in progress, WF Credit Close Up shows the "after" picture in real time.
Now that BoA shows your full Experian report, you can catch EX errors immediately through an integrated experience. We still recommend disputing directly with the bureau via certified mail for serious items — but seeing the full report for free every month means you're no longer flying blind.
No single free tool shows all three bureaus. Our recommended free stack for NMD clients: BoA "My Credit" for EX FICO 8 · Wells Fargo for EX FICO 9 · Discover Scorecard for EX FICO 8 (cross-check) · Capital One CreditWise for TU VS 3.0 direction · Experian app for EQ data. Combine them and you have comprehensive free coverage.
Knowing your score is step one. Knowing what to do about it — and when to apply — is where the real work starts. That's what we do.