Experian Boost: A Free Way to Raise Your Score

Experian Boost is a free service that counts your utility, phone, and streaming subscription payments when calculating your credit score.

How It Works

1. Sign up at Experian.com (free)
2. Connect your bank account
3. Experian finds regular payments (Netflix, Spotify, electricity, phone)
4. You choose which payments to add
5. Your Experian FICO Score updates instantly

Which Payments Can Be Added?

• Electricity and gas
• Mobile phone
• Internet
• Netflix, Hulu, Disney+, Spotify
• Insurance

How Much Can You Gain?

Average increase: 13 points. But for people with thin credit history, the boost can be significantly larger — up to 30+ points.

Limitations

• Only works with Experian (not TransUnion, not Equifax)
• Only FICO Score (not VantageScore)
• Requires a bank account
• Requires SSN (ITIN may not work)

Is It Worth Using?

Absolutely. It's free, takes 5 minutes, and can significantly help, especially if you're just starting to build credit history.

How to Check the Result

After connecting, go to your Experian account and view the updated score. The change is visible immediately.