Experian Boost™

Quickly raise your credit score
Experian Boost is a free program to add new, positive information to your credit report: one way to quickly improve your credit score.
12 Points
Average Score Boosted
Over 60 Million
Total Points Boosted Across America
Top Lenders using FICO® Scores


Credit Scores
FICO Score 8
Type of Payments
Phone, utility, streaming services (Netflix, Disney+, Hulu, HBO)
Positive History
Choose what you want added to your credit history
Secured Connection
Connect bank accounts securely with 256-bit SSL encryption
Additional Benefits
Includes free credit report, credit score, credit monitoring


Experian Boost is a free service that allows you to add eligible, on-time payments to your credit report, potentially increasing your credit score. On average, Experian Boost users who have seen a boost have increased their credit scores by 12 points. 

How Does Experian Boost Work?

In general, your credit report includes information that other companies send to the credit bureaus and that credit bureaus collect from public records. Experian Boost changes the dynamic by letting you pick and choose which data you want to add to your credit reports.

Experian Boost uses a secure connection and read-only access to your bank statement data to search connected bank accounts for eligible bill payments. These include payments to cell phone, utility bills, internet, and select streaming service providers, like Disney +, HBO, Hulu, and Netflix. 

If the unique algorithm finds positive, on-time payments from these accounts, you can add them to your Experian credit file.

Here are a few other key benefits Experian Boost offers:

  • You’re in control. You get to choose which bank accounts to connect and which bills to add to your credit reports. You can also disconnect your bank account and remove the accounts from your credit history at any time.
  • It likely won’t hurt your credit. Experian Boost only looks for and adds on-time payments to your credit reports. Late and missed payments won’t show up on your credit report. 
  • It could instantly raise your credit score. Adding new tradelines with a history of on-time payments is one of the few ways to boost your credit score quickly. You might see your score drop in certain situations, but you can disconnect your bank account, and the tradelines will be removed and no longer factor into the scoring equation.

Who Can Benefit the Most From Experian Boost?

Experian Boost is most beneficial for the following consumers:

  • New to credit or have a thin file: If you have a short credit history or a “thin file” (only a couple tradelines), adding new tradelines with positive payment histories could benefit your credit score. 
  • Rebuilding credit: Adding positive payment information is another significant part of the credit rebuilding process and helps diminish the impact of the negative information in your credit file. 

If you have an established credit history and a good or excellent credit score, it doesn’t hurt to sign up for Experian Boost. You could benefit from the service, and in the unlikely event your credit score does stay the same or drop, you can unenroll. 

Can Experian Boost Help You?

Experian Boost has helped millions of Americans raise their credit scores. However, the impact it will have on your score depends on your credit history and what’s in your credit profile. 

For example, if you already have 20 tradelines in your credit report with extensive on-time payment history, adding one new utility account likely won’t make a big difference. But if you have a thin file, adding several new tradelines and their payment histories could quickly improve your scores.

The impact Experian Boost has on your credit health also depends on your current credit score. For example, if you have an 800 credit score, increasing your score by a few points won’t necessarily help you because you could already qualify for the best rates and terms. However, if Experian Boost moves you from a fair score of 660 to a good score of 680, you’re moving into a higher scoring band and may now be eligible for better offers.

Finally, it’s important to remember that Experian Boost will only help you if a creditor uses your Experian credit report and a score that considers the newly added tradelines to make a lending decision.

How Much Does Experian Boost Cost?

Experian Boost is entirely free – you don’t need to put a credit card on file to sign up. This service is a part of the Experian CreditWorks℠ Basic membership. This free Experian account also includes monthly Experian Credit Report and free FICO score updates, Experian credit monitoring, score tracking, and score alerts. 

Experian may promote paid programs within your account, such as one of its more robust credit or identity theft monitoring and protection plans. Experian also partners with financial services providers, such as credit card issuers and lenders, and may receive a commission if you sign up for a new product through its website.

Experian Boost Reviews

Experian Boost reviews are mixed. So, it’s ideal to look beyond the simple star ratings to analyze the feedback received from past and current subscribers.

Positive reviews focus on how the program is easy to sign up for and use, is free, and how it quickly improved their credit scores. Consequently, many recommend Experian Boost because it’s one of the few ways to improve your credit scores for free quickly.

Some other reviews highlight consumer’s reservations about providing banking information or technical issues with connecting their bank account to use the service. However, these reviews fail to address the functionality and possible benefits of the service itself.

Other consumers pointed out their disappointment with the service because their credit score didn’t increase drastically. To illustrate, someone might give Experian Boost a low rating because they didn’t get a significant credit score increase. However, Experian doesn’t determine your credit score. Other companies (such as FICO and VantageScore) create the credit scoring models that analyze your Experian credit report to determine a score.

Overall, there are numerous customers that say Experian Boost helped raise their credit score. The credit score boost allowed them to save money through lower auto payments and mortgage refinancing, among other ways.

Customer Success Stories

Before you sign up for Experian Boost, take a look at these customer reviews to help you make an informed decision: 

  • Ana: Bankrate’s reporter Ana tried Experian Boost three times, each with positive outcomes. Suffering from bad credit decisions she made in her 20s, Ana ultimately boosted her credit score by 13 points.
  • Jennifer: A writer for CNN, Jennifer tried Experian Boost as part of a review for an article. During the review process, she was impressed by how easy the system was to use and to raise your credit score in a matter of minutes.
  • CreditCards.com Writer: A writer for CreditCards.com reviewed Experian Boost because they had a lower credit score. In 10 minutes, their credit score went up by 44 points.

Experian also offers other credit solutions such as:

FAQs About Experian Boost (4)

  • Do I need Experian Boost?

    It’s a personal decision, but Experian Boost can play a part in helping you meet your credit goals. You’ll get credit for on-time payments and possibly give your Experian credit score a boost without incurring any fees or doing any legwork. 

    Furthermore, if your credit score is hovering between one level and the next, this boost may be just what you need to move into a better credit level. You can potentially qualify for credit products with more competitive terms and save a bundle in interest with a higher credit score.

  • How is Experian Boost different?

    Experian Boost is different because it links to your bank account and debit cards that you use to pay your routine bills to improve your credit score by adding them as paid on-time accounts. If you have a missed payment, they don’t add it because it would negatively affect your report.

    This service is free when you sign up for the basic CreditWorks membership, which is also free. If you opt for one of their paid memberships, you can also use Experian to see your credit scores from the three major credit bureaus, see credit cards and loans that you might qualify for, and create a plan to raise your credit score.

  • Is Experian Boost safe?

    Experian has read-only access to your bank statement data to identify qualifying payments. It does not store banking credentials, so the service is safe to use.

  • What is the difference between Experian Boost vs UltraFICO?

    Both Experian Boost and UltraFICO require access to your bank account. The UltraFICO Score program is a partnership between FICO®, Experian, and Finicity that focuses on how you manage money to calculate your score. It analyzes account longevity, the frequency and recency of bank account transactions, the amount of cash on hand, and your history of positive account balances to generate your UltraFICO score. Experian Boost factors timely phone, utility, internet, and streaming service payments into your credit score. 

    Please note that both services may have trouble connecting with your bank if you use a smaller financial institution or a credit union.

This Company Also Offers

Experian offers business credit reports and scores, with credit trade payment information, corporate registration and more to assess credit risk.
Prove your creditworthiness to a lender by accessing the one-time Experian credit report and FICO credit score or from all 3 credit bureaus.
CreditMatch is a free service offered by Experian to get matched with loans and credit cards based on your credit scores.
Access free credit reports and score, monitor your credit score to avoid fraud with automated alerts.

Latest News

Learn more about credit bureaus and how they work, how they calculate credit scores, why scores differ, and how to check your credit rating.
Read more