“How to Enhance Your Credit Report Using Experian Boost”

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How Does Experian Boost Work?

Experian Boost allows you to enhance your Experian credit report by sharing your payment history for recurring expenses like cellphone and utility bills, streaming subscriptions, and even online rent payments. These payments are typically not reported to credit bureaus, but their inclusion in your Experian credit report can help improve your FICO® Scores based on Experian data.

How to Add Bills to Experian Boost

Adding accounts to Experian Boost is straightforward:

1. Sign up for a free Experian account if you don’t already have one. This account provides access to your Experian credit report and FICO® Scores based on Experian data for free, allows you to lock and unlock your Experian credit report, and offers a free scan for your personal data on the dark web.
2. Navigate to the “Explore other actions” box on your account’s dashboard page and click the “Add bills to Experian Boost” button.
3. On the Experian Boost landing page, identify the checking or credit card account(s) you use to pay the recurring bills you want to add to your credit report. Eligible bills include cellphone and utility bills, streaming subscriptions, and online rent payments. Use the encrypted form to provide the username(s) and password(s) for these online accounts.
4. Confirm that you want to add the eligible expenses Experian Boost identifies and their payment histories to your Experian Boost list. Once these accounts are added, Experian Boost will show the number of points the account has added to your credit score, if any.

How to Remove Accounts From Experian Boost

Removing an account from Experian Boost is also simple:

1. Each entry in your Experian Boost account list includes a filled-in checkbox. To remove an account, click its checkbox to deselect it and confirm your instruction to remove the account.
2. It makes sense to remove an account if it’s no longer active, but if you’re still making payments, you can still benefit from them. Note that late payments on accounts in your Experian Boost list will not directly hurt your credit scores since Boost only considers on-time payments and ignores late payments.
3. If you fall delinquent on an account and the creditor sends it to a collection department or agency that reports to the credit bureaus, however, that will hurt your scores. This is true whether or not you choose to add the account to Experian Boost.

The Bottom Line

Experian Boost makes it quick and easy to increase your FICO® Score based on Experian data by recognizing your history of paying recurring expenses such as phone and utility bills, streaming service subscriptions, and online rent payments. Experian makes it just as quick and easy to remove an account anytime you wish.

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