Experian Review - Company Logo

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Editorial Rating

Experian Boost Review: 2021 Edition

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Mobile app:


iOS and Android

Credit report access:



Experian credit monitoring and alerts:



Credit scoring model used:






Experian Review - Company Logo

Editorial Rating

Your credit score influences all major financial milestones — from buying a car to getting the most favorable mortgage terms.

Don’t like what you see in the report? Then, why not go to the source? Experian offers comprehensive credit repair services. Experian Boost™ reviews praise the company’s speed and effectiveness. Unlike other credit cleaners, which can only help remove inaccuracies from your credit report, Experian Boost™ can increase your credit score almost immediately.

Does it sound too good to be true?

In this Experian Boost™ review, we go deep to answer questions like:

  • Is Experian legit?
  • How does it boost your score?
  • How much does Experian Boost™ cost?
  • What are the pros and cons of Experian Boost™?
  • Are there other alternatives for improving your credit?

Read on to find out!

What Is Experian?

Experian is, above all, a credit reporting company. It gathers data and aggregates it in credit reports about consumers and businesses alike. Along with TransUnion and Equifax, Experian is one of the “Big Three” credit bureaus.

Since it compiles your credit report, Experian can also offer one of the best credit repair services. With Experian Boost™, you can add utility and telecom accounts to your credit and build a positive credit history.

How Does Experian Boost™ Work?

Experian Boost™ is a free service offered by Experian that can help you increase your FICO® score if you have been paying your bills regularly. You can use it as a standalone service or as part of the Experian CreditWorks basic or premium plan.

But how does Experian Boost™ work?

All you need to do is sign up and link the payment account you have used for paying your bills. Your positive payment history will then be added to your credit report, and you will see an instant boost in your score. Since Experian Boost™ works to your benefit only, it doesn’t pull any negative information, such as late payments.

What’s more, you even have the option to choose which bills to include, such as:

  • Electric
  • Water
  • Gas
  • Trash
  • Cable or satellite TV
  • Internet
  • Mobile and landline phones
  • Qualifying streaming services, including Netflix®, Hulu™, Disney+™, HBO™.

On average, Experian Boost™ users get a 13-point increase in their credit score. Will this work for everyone? No, some companies use a different FICO® score or a different system altogether. Still, 90% of lenders reference your FICO® score because it’s a reliable tool to evaluate long-term creditworthiness (you need at least six months of credit history to calculate it.) Most banks and other credit providers will see your increased score and likely offer better conditions like lower mortgage and lending rates.

Additional Services

Apart from its main credit improvement service, Experian Boost™ offers three perks at no extra cost:

Credit report & FICO® score

With Experian Boost™, you will get your Experian credit report and FICO® score for free every month after you sign up. This information provides insights into where positive or negative effects come from and allows you to stay on top of your credit to make better financial decisions.

Credit monitoring alerts

When it detects important changes in your Experian report, the bureau will send you monitoring alerts. These notifications aim to prevent suspicious activity, but also show up when you apply for a new loan, credit card, bank account, or if there is an address change.

Is Experian Boost™ Safe?

Some people are worried about linking their bank account to the Experian system. Rest assured that your personal information is protected with 256-bit encryption and a limited-access system. In other words, you give Experian read-only access to your information — enough to confirm positive payments, but they can’t make any changes, nor can your data be leaked to hackers.

Bottom line: even if you don’t use any of the other Experian credit repair services, the Experian FICO® boost is a simple, effective, and free tool to increase your score. There’s no reason not to try it.

Customer Support

If you have any questions or issues with Experian, you can contact the support team on the phone or via email. There is no Experian live chat yet, but they are very quick to respond to emails. The phone line hours are Monday to Friday, from 6 am to 8 pm PT and 8 am to 5 pm PT on weekends. You don’t have to contact customer support to cancel your Experian membership. If you’re having problems doing it online, though, you can also call customer service, and their agents will do it at no extra charge.

Experian Boost™ User Reviews

Customer feedback is overwhelmingly positive, though some issues do come up. Here’s a breakdown of what real users have to say in their Experian credit boost reviews:

The Positives

Positive reviews on Experian Boost™ point out that the tool simply works. Some users have switched from other companies and find Experian to be both cheaper and more effective at improving their credit. The wide range of free services, as well as the comprehensive premium package, attract a lot of consumers to Experian.

Since a poor credit score affects virtually all aspects of your life, finding something that truly works is a huge relief.

The Negatives

One of the common Experian complaints is customer service wait times and quality. Some users have reported they didn’t get a straightforward answer the first time they called or that the support was outsourced and the agent spoke poor English.

The other frequently-mentioned issue was Experian Boost™ not working. While Experian Boost™ is a fantastic free tool, it’s not going to work for everybody. To see a result:

  • You need qualifying bills that aren’t yet in your credit report — phone, utility, and even Netflix might qualify.
  • Your lender must use FICO® Score 8 based on Experian data. While 90% of top lenders use this, some companies opt for a different system.
  • You should take steps to minimize bad credit so that it doesn’t outweigh the positive effect of the boost.

Ultimately, you have nothing to lose when you try out Experian Boost™ — it’s free and works for the majority of people.

Bottom Line: Is Experian Boost™ Worth It?

While our Experian Boost™ review shows that the company stands to improve customer support, there’s nothing negative we can say about the service. Not only does Experian offer highly-effective credit-boosting services, but plenty of them are free. The user-friendly site, clear explanations (even for people who don’t know anything about credit and finance,) and comprehensive offers for both individuals and businesses make Experian one of the top credit repair services in 2021.

You can try out its free tools to get a taste of what it has to offer and subsequently opt for affordable credit monitoring and management with a premium account.

Alternatives of Experian Boost™

While Experian is one of the best credit cleaners on the market, it’s far from your only option. So, how does the company stack up against its biggest competitor?

Credit Karma vs Experian

Credit Karma is one of the first names that comes up for free credit score reporting and insights. Their secure and information-rich system allows you to stay on top of things without damaging your score with hard inquiries.

While Credit Karma can help a lot with your credit health, it doesn’t offer the same thing as Experian. With Experian Boost™, you’re taking advantage of unclaimed positive credit. If you pay your bills on time, you’re eligible to include them in your credit history and benefit from that. The instant increase in your FICO score isn’t something Credit Karma can offer.

So, while both tools are valuable, they are different, and each has its place when it comes to managing your finances.

Final Thoughts

With thousands of positive Experian Boost™ reviews online, we’re happy to report the Internet has it right. Experian is one of the best credit repair services, and its comprehensive service range can help consumers, small business owners, and corporations alike. Try out the free tools today and see for yourself how Experian can improve your credit.


  • Free Experian app for iPhone and Android
  • Instantly adds positive items to your credit file
  • Comprehensive credit reports and monitoring


  • Customer support quality complaints
  • Only helps users’ Experian credit scores
Experian Review - Company Logo

Editorial Rating


What is Experian?

Experian is one of the “Big Three” credit reporting bureaus. It uses information about your accounts, payment history, and credit utilization rate (among others) to compile a credit report and FICO® score for you. The score and report describe your creditworthiness or how likely you are to pay back your loan. If you have poor credit, Experian offers a range of free and paid tools to repair it. It provides monthly scores and reports, Experian Boost™ to improve credit immediately, and more. For businesses, Experian can help evaluate client scores, track your business credit, and collect debts.

Is Experian good?

Yes, Experian is very effective at helping you understand and improve your credit score. With free tools like Experian Boost™, you get plenty of value at no charge. The premium plan gives you an in-depth insight into your credit, helps prevent unwanted inquiries, and protects you from identity theft.

Does Experian Boost work?

Yes, Experian Boost™ works by adding positive items like utility and phone bills to your credit history. On average, it sums 13 points to your current FICO® score. Since 90% of top lenders reference FICO® scores to decide on credit conditions, this can directly lead to better rates on all your future loans.

Does Experian damage your credit rating?

No, Experian doesn’t make hard inquiries, and it can help protect you from unwanted referencing of your file. Using Experian as a free or premium member won’t damage your rating. In fact, the insight will likely help you improve your score.

Is Experian safe?

Yes, Experian is an accredited company with years of experience. It uses top-notch encryption for all your sensitive information and access accounts for read-only data (so they can’t put any unexpected charges to your account.)

What bills qualify for Experian Boost™?

With Experian Boost™, you can get credit for paying your phone, cable, and utility bills, as well as your subscriptions to streaming services such as Netflix®, Hulu™, Disney+™, HBO™.