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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!

702

Congrats! You got a boost.

Start your 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.

BOOST YOUR FICO® SCORE* INSTANTLY FOR FREE

Start your boost


POPULAR BILLS THAT WORK WITH EXPERIAN BOOSTΩ




HOW IT WORKS


1CONNECT YOUR BANK ACCOUNTS

Add any bank accounts you use to pay your bills. Your information remains
private.


2SELECT THE BILLS YOU WANT TO USE

We’ll detect bills with on-time payments, and you can add them to your Experian
credit file.


3SEE YOUR RESULTS INSTANTLY

You’ll find out right away if your FICO® Score* increased and by how many
points.

Start your boost

*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.

Start your boost


MILLIONS OF POINTS BOOSTED NATIONWIDE



Frequently asked questions


EDUCATION & ADVICE


WHAT IS EXPERIAN BOOST?

Experian Boost is an easy way for you to take control of your credit and build
long-term credit health—just by paying your bills. When you connect your bank or
credit card, we’ll look for bills with positive history that you can add to your
Experian credit file. It could also instantly raise your FICO® Score!


HOW DOES EXPERIAN BOOST WORK?

Good question! Connect to the bank or credit card account you use to pay your
bills and/or rent. We’ll look through 2 years of payment history for any
qualifying bills that have at least 3 payments in the last 6 months (including 1
payment within the last 3 months).

Once we find them, all you need to do is verify that the info is correct, and
we’ll add them to your Experian credit file.


HOW IS EXPERIAN BOOST DIFFERENT?

Unlike credit repair companies, Experian Boost is completely free and can
increase your credit scores fast. Credit repair may cost you thousands of
dollars and only help fix inaccuracies, which you can do yourself for free.
Piggybacking services that add you to a stranger’s account are risky and
considered deceptive by lenders. Raise your credit scores securely with Experian
Boost.


IS EXPERIAN BOOST SECURE?

Absolutely. We use bank-level SSL security encryption to make sure your data is
safe when you connect your accounts and add your bills. It’s our top priority.


WHICH BILL TYPES QUALIFY?

These are the bills that currently qualify for Experian Boost:

 * Mobile and landline phone
 * Rent payments
 * Utility, including electricity, gas, water and waste management
 * Telecom, including satellite, cable and television
 * Insurance
 * Internet
 * Video streaming services


WHAT TYPES OF INSURANCE QUALIFY?

Experian Boost accepts most insurance payments, including home, auto, life and
more. Health insurance payments or any insurance payments that aren’t paid
monthly don’t qualify.

If your insurance meets these requirements and we haven’t found it, make sure
the account used to make payments is connected.


WHICH TYPES OF RENT PAYMENTS QUALIFY?

Only online residential rent payments made to select property management
companies or rent payment platforms are eligible. Rent payments made with cash,
money order, personal check or on a mobile payment transfer app (like PayPal,
Venmo or Zelle®) aren't eligible.

If you have an active mortgage account or any other rent tradeline on your
Experian credit file, then your rent isn't eligible either. Learn more.


IF I HAVE A MORTGAGE, IS MY RENT PAYMENT ELIGIBLE?

Your rent isn’t eligible if you have an active mortgage tradeline on your
Experian credit file.


CAN I USE MY VIDEO STREAMING SERVICE BILLS?

You sure can! Video streaming services like Netflix®, Disney+™, HBO™ and Hulu™
are all eligible. Just make sure the accounts are in your name and the bills
have 3 payments in the last 6 months (including 1 payment within the last 3
months).

Want to know when we add new video streaming services to our list of eligible
providers? Make sure you opt in for notifications in your Experian account.


WHAT IF I’M HAVING TROUBLE CONNECTING TO MY BANK OR CREDIT CARD?

If you’re having trouble connecting your bank to Experian Boost®, your bank
login credentials might be incorrect. We recommend logging in to your bank’s
website to make sure your login info is up to date. Then, go to your bank
settings to confirm your contact info matches your Experian membership profile.

If you’re seeing a message that Experian Boost can’t connect to your bank, your
bank might not be supported yet, or it might be a technical error. We recommend
trying again and following the prompts on the screen if it still says you can’t
connect to your bank.


WHAT IF MY BANK OR CREDIT CARD ISN’T LISTED?

If your bank or credit card isn’t listed, or you search for it and it doesn’t
appear in the results, select the "Can't find your bank?" link and follow the
instructions.


WHAT IF THE NAME ON THE ACCOUNT I’M CONNECTING TO EXPERIAN BOOST DOESN’T MATCH
MY EXPERIAN ACCOUNT?

For your security, we need to verify that the name on your connected account
matches the name on your Experian account. If the name on your connected account
is in the name of a business, trust or other financial conservator, you’ll need
to update this information before you use Experian Boost.


CAN EXPERIAN BOOST HELP ME IF I HAVE NO CREDIT HISTORY OR NO FICO® SCORE?

If you’re just starting out on your credit journey, that’s OK. Experian Boost
can still help you if you meet the minimum FICO® requirements.

 * You have at least 1 account on your credit report that has been active for at
   least 6 months.
 * You have at least 1 account on your credit report that has been reported to a
   credit bureau within the last 6 months.
 * You are not listed as “deceased” on your credit report. (And if that’s the
   case, the credit bureau providing your report might have you mixed up with
   another person.)
 * If you check all these boxes, you can get your first FICO® Score and use
   Experian Boost.

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