If you’re reading this, the bank associated with your Experian Boost account has either been disconnected or will be in the coming weeks. When your bank connection is broken, Experian Boost won’t receive new data and any score increase you’ve obtained will be at risk of being removed.
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 Boost’s 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 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.
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. 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 from Boost, follow the steps outlined below so you can get your account reconnected as soon as possible. This process is virtually the same as when you initially signed up for Experian Boost and should only take a few minutes.
How to reconnect, step by step:
- Sign in to your Experian account using this link.
- Tap “Reconnect now” on the banner that appears below the bank that’s disconnected.
- Reconnect your account by logging in with your bank credentials.
- Head to your Boost and/or Personal Finances dashboards and make sure it’s connected.
- Relax – you’re good to go.