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Credit Report & Scores

Can You Pick Which Payments to Include with Boost?

Dear Experian,

With Experian Boost , do you have to add all the payments it finds, or can you pick certain cell and utility payments only?

- CSM

Dear CSM,

Yes, you can pick which monthly service payments you would like to include in your credit history with Experian Boost.

As you go through the sign-up process, you will be asked to confirm each account before it is added. You can choose to include only your cell phone payments, only your cable bill, and so on. Everything is permission-based, so if you change your mind, you can have Experian stop collecting the payment information and it will be removed from your credit history.

What Is Experian Boost?

Previously, consumers did not get credit for their on-time payments for things like electricity, cable, and cell phones. Now, Experian Boost allows you to add to those payments to your credit history and increase your credit scores instantly.

When you sign up for Experian Boost, you agree to give Experian permission to access the bank account through which you pay your bills each month.

How Does Experian Boost Increase Your Scores?

Once you verify the information to be added is correct, Experian adds the payments from the service providers you specify — going back up to 24 months -- to your credit history. The service is free and includes a FICO8 score at the start of the process and provides you with an updated FICO8 score when you complete the process, so you can see how much your score was boosted.

Experian Boost can be especially beneficial for those who have scores below 680 or those who have what is considered a "thin file" of less than five credit accounts. The entire enrollment process is secure and takes only minutes to complete. You can learn more about Experian Boost on our blog.

Thanks for asking,

Jennifer White, Consumer Education Specialist

This question came from a recent Periscope session we hosted.

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