topic Re: Bank Of America Fico Score in General Credit Topics

Bank Of America Fico Score

rhall2009 — Sat, 07 Nov 2015 02:57:23 GMT

I haven't heard of any free fico score yet since Bank of America announced it would be offering them to credit card holders. That is one of the reasons I even have a card with them. Has anyone else had any luck getting information about when they will do this. End of the year is coming up fast.

Re: Bank Of America Fico Score

thom02099 — Sat, 07 Nov 2015 16:43:45 GMT

@rhall2009 wrote:
I haven't heard of any free fico score yet since Bank of America announced it would be offering them to credit card holders. That is one of the reasons I even have a card with them. Has anyone else had any luck getting information about when they will do this. End of the year is coming up fast.

I recall receiving a promo email from BofA about upcoming FICO score availability, but not a whole lot of info in it...just basically the pre-announcement to the announcement. Since then, nada...zip...zilch. Nothing on my login to my BofA accounts either. Perhaps it will come sometime next year.

ETA: A quick Google search came up with several entries that stated it would be offered to certain cardholders, presumably meaning that it would not generically be available at the BofA site. Sounds like something similar to Chase and the Slate card being the only place currently at Chase to get the FICO score. Too bad they aren't considering the same thing as Citi, Discover, etc.

Re: Bank Of America Fico Score

takeshi74 — Sun, 08 Nov 2015 03:59:46 GMT

@rhall2009 wrote:
End of the year is coming up fast.

Did they say they would offer one by the end of the year?

Re: Bank Of America Fico Score

Anonymous — Wed, 25 Nov 2015 19:57:41 GMT

I joined BofA this past year and got 2 cards of theirs partially because of the news that they would have free FICO scores by EOY. I'm hoping they follow through. I've tweeted at a number of their accounts and not gotten a response. I haven't seen any news that contradicts that they intend to offer it by EOY, but it seems like there would be something official by now about who would get them and when. A bit frustrating to wait with no info.

Re: Bank Of America Fico Score

Anonymous — Wed, 25 Nov 2015 20:46:59 GMT

I agree. If they really are going to release a free FICO by year's end (as they promised they would nine months ago) they certainly should have given the press another update by Sept confirming that it really was in the works.

My hope is that it is a "classic" FICO 8 score (as opposed to the Bankcard Enhanced version that Citi gives its customers). And since I already am getting the Experian FICO 8 through Chase and Amex I have a selfish desire that they'll use Equifax or TransUnion for their CRA. (I don't have a Discover or Barclays or I'd have the TU.)

If anybody hears any news in the next five weeks, please let us know!

Re: Bank Of America Fico Score

rhall2009 — Thu, 26 Nov 2015 00:37:46 GMT

I tried to call customer service and couldn't get past a foreign person who clearly didn't know what i was talking about. She put me on hold 3 times and then hung up on me lol. So i'm just going to suck it up and get a walmart or barclays in the next few months. I can't believe first premier bank has a fico score for free and bank of america hasn't caught on yet and they are supposed to be a prime lender (depending on who you ask i guess).

Re: Bank Of America Fico Score

Anonymous — Wed, 02 Dec 2015 21:34:13 GMT

Just got off the phone with BofA and they said they got word of it yesterday (Dec 1st 2015). According to their internal update, FICO scores will be available on the lower right hand side of the account page, as an opt-in button, starting December 7th 2015. We will have to opt-in for the score to be available. She said it will most likely be TransUnion but didn't know for sure. Also, don't yet know which version and flavor of FICO either. Assuming FICO 8 Classic.

Hope this helps/turns out to be true.

Re: Bank Of America Fico Score

CreditDunce — Thu, 03 Dec 2015 05:30:29 GMT

Thanks for the update. I was starting to think it would be a pilot with a long roll out like Amex.

I am probably in the minority, but I am hoping for a TU-08 BE. I already have a Barclay and Discover TU-08 classic score.

Re: Bank Of America Fico Score

Anonymous — Mon, 07 Dec 2015 17:11:26 GMT

Back with updates. It is December 7th today and - as BofA told me - the score should be there. It is not. Called again and talked to an online banking specialist who was very nice at explaining how it works:

The FICO score is an opt-in feature that will show on the desktop version in the Activity Center on the right hand side (where you see the Alerts, Bill Pay, Transfers, Messages, etc.) BofA has partnered with TransUnion for this score so it will be the TransUnion FICO score, though she had no information on WHICH particular model and flavor of the TU FICO score. Now, it's being rolled out in waves. Apparently, the first wave is today and it includes bank employees - so if any bank employee can please confirm they have the Enroll button? The second wave will happen on January 6th 2016 and will include a few states among which Georgia and Pennsylvania. She said there will be more than two states, but only those two states are listed. The third wave will be rolled out for all customers by end of 2016Q1. That's by the end of March 2016.

Hope this helps, though it's not the good news I was expecting

Re: Bank Of America Fico Score

Anonymous — Mon, 07 Dec 2015 17:11:37 GMT

@CreditDunce: Yeah, I also wish it's not the Classic flavor. Some Bank Enhanced or even Auto Enhanced (though 0 chance for it). I get the Classic scores from other sources, so a little diversity will really help

Re: Bank Of America Fico Score

CreditDunce — Tue, 08 Dec 2015 01:13:07 GMT

Thanks for the update. I am not one of the privileged few with the score yet. I am assuming it will be a TU-08 score, too. I would love a TU-04 score. But the best I am hoping for is a TU-08 BE. If it is a TU-08 classic like Barclay and Discover, then at least I will have one more TU score data point. Plus, eventually TU-09 will start rolling out. I will thankful for any free score they give.

Re: Bank Of America Fico Score

Anonymous — Wed, 06 Jan 2016 16:16:11 GMT

@Anonymous wrote:
Back with updates. It is December 7th today and - as BofA told me - the score should be there. It is not. Called again and talked to an online banking specialist who was very nice at explaining how it works:

The FICO score is an opt-in feature that will show on the desktop version in the Activity Center on the right hand side (where you see the Alerts, Bill Pay, Transfers, Messages, etc.) BofA has partnered with TransUnion for this score so it will be the TransUnion FICO score, though she had no information on WHICH particular model and flavor of the TU FICO score. Now, it's being rolled out in waves. Apparently, the first wave is today and it includes bank employees - so if any bank employee can please confirm they have the Enroll button? The second wave will happen on January 6th 2016 and will include a few states among which Georgia and Pennsylvania. She said there will be more than two states, but only those two states are listed. The third wave will be rolled out for all customers by end of 2016Q1. That's by the end of March 2016.

Hope this helps, though it's not the good news I was expecting

OK, guys, it is now January 6th! Does anyone here live in Georgia or Pennsylvania? I do, and I cannot see my FICO score anywhere on the BOA portal. I have also done a search for the word FICO on the portal's "How can we help you?" search bar. All that comes up is general informational articles about what a FICO score is.

Ady624... have you heard any news?

PS. I don't see any news via Google either.

Re: Bank Of America Fico Score

Anonymous — Thu, 07 Jan 2016 16:45:22 GMT

Good news, everyone. It looks like BOA was only one day late in the Second Wave rollout (to people in a few selected states). I can now see my FICO score (though it wasn't there yesterday).

If you want to see whether your state is included, just go to the Tools And Investing tab. If your state is one of the lucky ones, yoi should see a new Credit Score option with the tag NEW! next to it in red. (Edit: I just spoke with a CSR and she confirmed that the 2nd wave is limited to only Georgia and Pennsylvania.)

According to the earlier work of Ady624, it looks like everyone else will be getting it around March 31, though they might take another couple business days after that.

I can confirm that the score is a TU FICO 8 Classic. Works out good for me, since I lack cards with Barclays and Discover. I now have a free score with Citi (EQ), Amex and Chase (EX), and BOA (TU). Woo-hoo! My guess is that in another year or two many more issuers will be giving these away standard.

Re: Bank Of America Fico Score

thom02099 — Thu, 07 Jan 2016 16:35:43 GMT

@Anonymous wrote:
Good news, everyone. It looks like BOA was only one day late in the Second Wave rollout (to people in a few selected states). I can now see my FICO score (though it wasn't there yesterday).

If you want to see whether your state is included, just go to the Tools And Investing tab. If your state is one of the lucky ones, yoi should see a new Credit Score option with the tag NEW! next to it in red.

According to the earlier work of Ady624, it looks like everyone else will be getting it around March 31, though they might take another couple business days after that.

I can confirm that the score is a TU FICO 8 Classic. Works out good for me, since I lack cards with Barclays and Discover. I now have a free score with Citi (EQ), Amex and Chase (EX), and BOA (TU). Woo-hoo! My guess is that in another year or two many more issuers will be giving these away standard.

Colorado not yet included, at least from my 2 BofA accounts.

Seems like they could make it more visible/easier to get to, like within the Activity Center to the right of the account screen. Perhaps they will when it rolls out more generally.

Re: Bank Of America Fico Score

Anonymous — Sat, 09 Jan 2016 06:28:47 GMT

I dont see anything on my CC accountr either.

I am in Florida.

Re: Bank Of America Fico Score

Themanwhocan — Wed, 13 Jan 2016 02:41:53 GMT

Explanation of the FICO Score Program:

https://www.bankofamerica.com/online-banking/service-agreement.go#cat11