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What Is Experian Boost?

Experian Boost is a first-of-its-kind service that helps consumers instantly improve their FICO® Score* by giving them credit for on-time utility and telecom payments. Experian Boost is good for people with little to no credit history as well as established borrowers looking to increase their credit scores.

Does Experian Boost Work

Average users boosted their FICO® Score 8 based on Experian data by 13 points. Some may not see improved scores or approval odds. Not all lenders use credit information impacted by Experian Boost.

How Does Experian Boost Work?

Normally, utility and telecom bill payments do not factor into your credit scores. When you use Experian Boost, Experian looks at your bank records to find on-time qualifying payments. Once you verify the information and agree to add it to your file, you'll instantly receive an updated credit score. The process takes about five minutes, and any change to your credit scores will happen immediately.

By adding these records to your credit file, Experian Boost helps you build positive payment history. Payment history is the most important factor in calculating your credit scores, so adding records of on-time payments can be very valuable. Keep in mind, Experian Boost only considers positive payment history on these accounts, so late payments will not lower your credit scores.

The length of your credit history also plays a big role in your credit scores. Adding more accounts to your credit file with Experian Boost helps you build credit history by showing more evidence of active accounts and on-time payments.

How Is Experian Boost Different?

Experian Boost isn't just different—it's the first-ever service to give users the ability to increase their FICO® Score in a matter of minutes. As mentioned, certain payments have never before factored into your credit scores. Experian Boost is the first product to change that, boosting your credit scores immediately if qualified on-time payments are found in your bank accounts.

Who Can Benefit From Experian Boost?

Across the country, Experian Boost has raised Americans' credit scores by more than 10 million points in total. Anyone can sign up for Experian Boost, but consumers with little to no credit and those with very poor to fair credit scores tend to benefit the most.

Out of each FICO credit tier—very poor, fair, good, very good and exceptional—the majority (82%) of people with a very poor score who used Experian Boost saw their FICO® Score increase. Among people with a fair score, 62% saw their scores increase.

How Much Does Experian Boost Cost?

Experian Boost is completely free. Once you sign up, you'll automatically be enrolled in a free Experian CreditWorks℠ Basic membership, which offers additional services such as free credit monitoring and a free FICO® Score. There is no additional charge to connect your bank accounts, and if you choose to disconnect your account, you can keep your Experian CreditWorks Basic membership.

If you pay utility or telecom bills using your bank accounts, consider using Experian Boost to get credit for your past on-time payments and instantly raise your credit scores. You can always get your free credit score from Experian to stay on top of your credit and see how you may be able to improve your scores.


Want to instantly increase your credit score? Experian Boost helps by giving you credit for the utility and mobile phone bills you're already paying. Until now, those payments did not positively impact your score.

This service is completely free and can boost your credit scores fast by using your own positive payment history. It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report.

How Good Is Your Credit Score?

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