You can keep your existing history: verify all three reports, then correct every file that no longer shows your original BofA account after the SSN update.
“I am an F-1 international student with a Bank of America credit card. I used to see my FICO score in the app, but after I got my SSN and updated it with BofA, my score disappeared. How do I get my existing credit history properly linked to my new SSN?”
Summary
A vanished FICO display does not by itself prove that your earlier credit history was erased. This is manageable: the reports will show whether you only have a BofA app-access problem or whether a bureau needs to correct an incomplete file.
Your next route depends on what the three credit reports—not the missing app tile—show about the original BofA account.
If every report shows the original BofA account, original opening date, and complete history under your current identity, your already contains the history. Confirm that your BofA Online Banking profile has the new SSN and U.S. address, then call BofA at 800-732-9194 to troubleshoot My Credit access (Bank of America My Credit and customer-service pages).
File a free dispute with each affected and with BofA as the . Identify the same existing account, the missing opening date or months, and the SSN update; CFPB says fixing a report error generally means contacting both companies, and BofA's published page also directs customers to dispute account errors (CFPB, reviewed Dec. 12, 2024).
Request all three reports by phone or mail, then use the affected bureau's identity-correction route. TransUnion specifically requires supporting documentation for an SSN change and lists an SSN card, driver's license, birth certificate, or court order as examples (TransUnion identity-correction page).
Use the report from each company separately because one file can be correct while another is incomplete.
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Next steps
These steps first locate the break, then correct the bank profile, affected bureau file, or both.
Start here
Confirm the same BofA account is attached to your new SSN
Call Bank of America credit-card customer service at 800-732-9194 (24/7). Ask the representative to confirm that the new SSN, exact legal name, date of birth, and current U.S. address are on the profile for the original card account—not a duplicate profile—and ask them to correct any mismatch. BofA's current My Credit rules require an SSN and a U.S. address in Online Banking.
Requirements
Before filing a dispute
Pull all three official credit reports
Request Equifax, Experian, and TransUnion at https://www.annualcreditreport.com. If online identity verification fails, call 877-322-8228 or mail the completed official request form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Requirements
Choose your branch
Compare the original BofA history on each report
For each report, record whether the BofA account appears, whether its original opening date is intact, and which months of payment history are missing. Also check whether the personal-information section reflects your current name and address. If all reports are complete, stop the bureau process and call BofA to troubleshoot only the My Credit display.
Requirements
Only if history or identity data is wrong
Dispute every incomplete file and notify BofA
File separately with each affected bureau: Equifax through https://www.equifax.com/personal/credit-report-services/credit-dispute/; Experian through https://www.experian.com/help/dispute-credit/ or by mail to Experian Dispute by Mail, P.O. Box 4500, Allen, TX 75013; TransUnion through https://dispute.transunion.com and use its personal-information process for the SSN documents. State that the existing BofA account belongs to you, identify the original opening date or missing months, and request correction of the complete history under your current identity. Send the same account-history dispute to BofA by certified mail at the furnisher-dispute address printed for BofA on the affected report; include your contact information, account number, exact disputed facts, explanation, and supporting copies. There is no dispute fee.
Requirements
After the investigation period
Review the results and escalate if necessary
Calendar 30 days from receipt. Compare the results with fresh reports. If the missing history remains, or a required result does not arrive, submit one CFPB complaint at https://www.consumerfinance.gov/complaint/ and attach the report, your first disputes, delivery proof, BofA statements, and all responses; CFPB requires the direct bureau dispute first and allows up to 50 pages of supporting documents.
Requirements
Legal sources
This answer rests on CFPB guidance, 12 CFR 1022.43, and the current process pages from Bank of America, Equifax, Experian, and TransUnion.
Bank of America My Credit
BofA's current in-app credit feature requires both an SSN and a U.S. address in the customer's profile.
My Credit eligibility
You must be at least 18 years of age, be an owner or co-owner of an eligible Bank of America consumer account, have a Social Security number, and have a U.S. address in your Online Banking profile.
Bank of America My Credit
The vanished app display is not itself proof that the underlying credit history disappeared.
My Credit disclosures
My Credit, including FICO® Score, is for educational purposes only and accessible through Mobile and Online Banking. Your FICO® Score is based on the information in your credit report at the time it is requested.
Bank of America Credit Card Customer Service
This is BofA's official number for confirming and correcting the card profile.
Credit card customer service
Credit card customer service (including lost or stolen card) 800.732.9194 24/7 1.302.738.5719.
CFPB Free Credit Reports Guidance
You can obtain the Equifax, Experian, and TransUnion reports through the official federal channel.
You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com.
CFPB Credit Report Dispute Guidance
CFPB directs you to dispute with both the affected bureau and BofA, and explains the furnisher's general response period and correction duty.
Fixing an error generally means contacting both the credit reporting company and the company that provided the information. Furnishers generally must investigate and respond to your dispute within 30 days of when they receive the dispute. If the investigation shows the furnisher provided wrong information about you, or the information cannot be verified, the furnisher must update or remove the information and notify all the credit reporting companies after correcting it. Then, the credit reporting companies must update your credit reports.
12 CFR 1022.43
An SSN-only direct dispute is carved out, so the bank-facing dispute should identify the missing or incorrect account history while the bank separately updates the SSN.
(b)(1)(i)
The consumer's identifying information (other than a direct dispute relating to a consumer's liability for a credit account or other debt with the furnisher, as provided in paragraph (a)(1) of this section) such as name(s), date of birth, Social Security number, telephone number(s), or address(es);
12 CFR 1022.43
The regulation tells you where to send a BofA direct dispute and what it must contain.
(c)(1), (d)(1)-(3)
The address of a furnisher provided by a furnisher and set forth on a consumer report relating to the consumer; Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable; The specific information that the consumer is disputing and an explanation of the basis for the dispute; All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute.
TransUnion Editing Personal Information
TransUnion expressly accepts identity documents to change an SSN in its records.
To make changes to your Name, Date of Birth or Social Security Number (SSN) you’ll need to provide us with valid supporting documentation that shows the updated information. Examples include: Copy of your driver’s license Copy of your birth certificate Copy of your Social Security card A court order
Experian Dispute Credit Report Information
Experian provides both an online documentation route and a specific postal dispute address.
If you are disputing online: Experian's Online Dispute Center lets you easily add any required or pertinent documentation to a dispute. If you are disputing by mail: Please send copies (not originals) of any requested documentation, such as a utility bill or government-issued identification card. Mail to: Experian Dispute by Mail P.O. Box 4500 Allen, TX 75013
Equifax Credit Dispute Process
Equifax accepts disputes through myEquifax and says it will notify you of the investigation result within 30 days.
Create or sign into your free MyEquifax account to file a credit dispute on your Equifax account. Within 30 days of your dispute request, we will notify you of the results of our dispute investigation.
CFPB Complaint Process
A CFPB complaint is the escalation step after a direct bureau dispute, not the first step.
You are required by law to first dispute the information directly with the credit or consumer reporting agency. Attach documents that support the facts like account statements and communications with the company. Limit: 50 pages
These are the official rules and provider procedures published or current on the dates shown; rules and procedures can change.
This is general information about official processes, not legal advice, and SettleKit is not a law firm.
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