How to resolve connection issues with Experian Boost

If you're reading this, the bank associated with your Experian Boost and/or Personal Finances account has either been disconnected or will be in the coming weeks. When your bank connection is broken, Experian won't receive new data. Any score increase you've obtained through Experian Boost will be at risk of being removed, and you'll stop receiving personalized insights from Personal Finances.

There's a quick and easy fix to reconnect your bank account and ensure your payment history continues to be received by Experian—this way you can keep enjoying your benefits.

Keep reading to learn why your account connection was broken and what you should do to get reconnected.

Why do I have to reconnect my bank account?

As Experian continues to work with our partners to provide the highest level of security and data privacy possible, we're always optimizing our systems to ensure the safety of your personal information.

As part of this process, your bank connection to Boost and/or Personal Finances will be disconnected—if it hasn't been already—so that you can reauthorize your bank credentials with an updated and even more secure method of connection.

What happens when my bank account gets disconnected?

When your bank is disconnected from Experian Boost, Experian no longer receives a record of your payment history. This could result in losing any FICO Score point increases you've received so far from Experian Boost.

As time goes on, your bills are at risk of being removed if the information stored by Experian Boost isn't updated with new data for three months in a row. If you're using Experian's Personal Finances tool and your bank account remains disconnected, you'll also stop receiving personalized insights based on your transaction and spending history in that account.

To avoid the hassle, simply reconnect your account by logging in with your bank credentials. Once you do, your payment history will be loaded into Experian Boost and/or Personal Finances. Any payment information not received by Boost during the period you were disconnected will be updated.

How do I reconnect my bank account?

If you're notified by Experian that your account has been disconnected, follow the steps outlined below so you can get your account re-connected as soon as possible. This process is virtually the same as when you initially signed up for Experian Boost or Personal Finances and should only take a few minutes.

How to reconnect, step by step:

  1. Sign in to your Experian account using this link.
  2. Tap “Reconnect now” on the banner that appears below the bank that's disconnected.
  3. Reconnect your account by logging in with your bank credentials.
  4. Head to your Boost and/or Personal Finances dashboards and make sure it's connected.
  5. Relax – you're good to go.

Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian BoostTM.