Experian Boost
instantly raise your FICO score by reporting utility and streaming payments
How it works
Experian Boost retroactively adds qualifying utility, telecom, and streaming payments to your Experian file. Reports to Experian only â does not affect Equifax or TransUnion scores.
Is it right for you?
Consider if you
- You pay utility, phone, or streaming bills on time and want credit for it
- You have a thin credit file and need a quick and free score improvement
- You want free credit monitoring plus a unique score-boosting tool
Skip if you
- People who do not pay recurring bills from a linked bank account
- Those who need all three credit bureaus impacted â Boost only affects Experian
- Anyone expecting a guaranteed score increase â results vary significantly per user
Your money and data
Experian Boost connects to your bank accounts via read-only integration to scan for qualifying bill payments â it can view your transactions but cannot move money on your behalf. Experian is one of the three major U.S. credit bureaus. Data is encrypted in transit and at rest.
Pros & Cons
Pros
- Completely free â no credit card required to use Boost
- Average FICO Score 8 improvement of approximately 12 points for users who qualify
- Bill negotiation and subscription cancellation tools save an average of $631/year on premium
Cons
- Only impacts your Experian credit report â not Equifax or TransUnion
- Not all lenders use Experian FICO 8 scores, limiting Boost's real-world benefit
- Premium CreditWorks subscriptions at $4.99-$19.99/month needed for full feature set
Pricing details
$0/month for Boost · CreditWorks Premium from $4.99/month · free tier available
On experian.com · We may earn a commission
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