Instantly raise your credit scores for free
Get credit for bills like your cell phone, utilities, rent and insurance with Experian Boost®.ø
New Boost your credit with insurance!
Congrats! You got a boost.
No credit card required
Using Experian Boost could improve your credit scores—fast.
Building your credit history helps show lenders you’re reliable.
Expanding your Experian credit file could mean more card & loan offers.
øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.
Popular bills that work with Experian BoostΩ
How it works
Add any bank accounts you use to pay your bills. Your information remains private.
We’ll detect bills with on-time payments, and you can add them to your Experian credit file.
You'll find out right away if your FICO® Score* increased and by how many points.
*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
Included with Experian Boost
Access your FICO® Score and credit report
Stay up to date with your latest Experian credit report and FICO® Score every 30 days.
Get credit card and loan offers matched to you
See personalized offers based on your unique credit profile and find the best one for you.
Run a free identity scan
Check if your personal info is exposed on the dark web and people finder sites.
Save on car insurance
Shop and compare quotes from top insurers to find your same coverage for less.
Frequently asked questions