Hi there, the score that you have from B of A is known as a "FAKO" score.. in other words, an unreliable score that can be up to around a 100 points difference compared to an actual FICO score that lenders use. I would not rely on credit scores from thirdparty websites except myfico, equifax.com (EQ score only), and transunioncs (TU score only). Hope that helps.