There’s no cost to create an account, and you’ll need to provide your first and last name, current address, email address, and password you’d like to use to access the dashboard. You can get started online or via the mobile app by enrolling in the Experian CreditWorks℠ Basic membership program. You can disable Experian Boost, cancel your membership, or both at any time without incurring any fees or penalties.
This free membership also includes monthly Experian Credit Report and FICO Score updates, Experian credit monitoring, score tracking, and score alerts. It’s free to use Experian Boost, and you’ll automatically have access to the service when you register for an Experian CreditWorks℠ Basic membership. You can also get credit for payments for streaming services like Hulu, Disney+, HBO, and Netflix. Payments for utility and phone companies, including AT&T and Spectrum, qualify for use with Experian services. Not all consumers see improvements from Experian Boost, though it depends on your unique credit profile. Most users who enroll in the program see an average increase of 12 points to their FICO Score 8 based on Experian data. To date, the free service has boosted credit scores by over 74,650,000 points, and this figure continues to climb by the minute. Is Experian Boost Legit?Įxperian Boost has helped millions of consumers throughout the US improve their credit scores. But if you have less than perfect credit, you could also benefit as positive payment history can help offset the negative marks in your credit report. If you have little to no credit, the payment history will add positive history to your profile to strengthen your credit health right away. Regardless of your current credit rating, Experian Boost can help you improve your credit score with minimal effort. Step 3 – View the results of your boost right away.Step 2- Select the accounts and corresponding positive payment history you’d like Experian to add to your credit file.Step 1- Connect your bank account(s) used to pay monthly bills.Here’s a breakdown of how Experian Boost works: Even better, late payments aren’t factored into the scoring equation, so your credit score won’t be affected if you fail to pay on time (unless the delinquency is ongoing and the accounts are converted to collections). So, it’s impossible to improve your score with these accounts, even if you have a perfect payment history.īut Experian Boost affords you the luxury of adding these accounts to your credit profile to improve payment history. However, most credit-scoring models do not include utility, phone, and streaming service payments in their calculations. Payment history accounts for 35% of your FICO score.