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Experian Boost Review: 2021 Edition

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Experian Review - Company Logo

Editorial Rating

Your credit score influences all major financial milestones — from buying a car to sending a child to college. 

Don’t like what you see in the report? Then, why not go to the source? Experian offers comprehensive credit repair services to boost your credit fast. Experian Boost reviews praise the company’s speed and effectiveness. Unlike other credit cleaners, they 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 cost
  • Are there other alternatives for improving your credit? 

 Read on to find out!

What Is Experian?

Experian reviews in 2021 claim it’s the only service that increases your credit score quickly. With Experian Boost, you can add utility and telecom accounts to your credit and build a positive credit history. These, however, are far from the only benefit of using Experian to improve payment history:

What Is Experian Best for?

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

Since they compile your credit report, Experian can also offer one of the best credit repair services. Whether you’re running a business or trying to improve your score (and reduce the cost of future purchases), Experian offers extensive resources to help you out. For businesses, they provide credit services, as well as marketing packages, decision analytics, and consumer services.

Overall, the perks outweigh the disadvantages, and Experian Boost reviews by users further confirm this is one of the best credit repair options on the market. So, how do you get going with Experian? 

How to Get Started

To start using Experian, go to their website experian.com or download the Experian app. From a desktop computer, select Consumer, Small Business, or Business from the top-page menu to see their specific services.

If you’re an individual looking to boost your scores, choose “Sign up free”. The system will guide you through signing up and getting your credit report. You can also use Experian’s Credit Boost.

It’s a very intuitive and user-friendly site, even if you don’t know much about credit.  


So, how exactly does Experian Boost work? Here’s an overview of the essential services:

Experian Boost Review

Experian Boost is the company’s trademark strategy to increase your FICO score. It’s one of the few methods of seeing an instant credit boost. Best of all, the Experian Boost cost is practically zero

Experian Boost reviews online are overwhelmingly positive, mainly since the service works from day one, unlike disputing negative items in your credit history or other long-term strategies. 

Credit Report & FICO Score 

Potential lenders use your credit report to assess your creditworthiness based on past payments. When a company requests your credit score, they make a hard inquiry, which affects your credit report

As a consumer, however, you’re entitled to soft pulls to stay on top of your credit and make better financial decisions. You will get your Experian credit report, and FICO score for free every month after you sign up. They break down the information to make it understandable and provide insights into where positive or negative effects come from

Experian Credit Monitoring Review

Experian offers free and paid credit monitoring packages to keep track of your spending and prevent negative consequences. Among other things, monitoring your credit can also help spot identity theft before they can cause any severe damage. 

With the premium plan, you get: 

  • Daily credit report and FICO score (as opposed to monthly updates)
  • Monthly reports from all three bureaus (not just Experian)
  • Score alerts and tracking 
  • FICO score simulator to help you choose high-impact credit-boosting strategies

The free monitoring only includes Experian’s data on new accounts and inquiries. While this is an excellent basic service (and you can’t beat free), premium members also get information about credit utilization rate, account changes, and dormant accounts

How Does Experian Boost Work?

Experian Boost allows you to get credit for phone, utility, and seven streaming service bills. If you’re paying them regularly, this goes towards a positive payment history. To get started, connect the bank account you use for bills, choose and verify the payments, and enjoy the instant boost. 

On average, Experian Boost users get a 13-point increase in their credit score. Will this work for any lender? 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.) So, the majority of banks and other credit providers will see your increased score and likely offer better conditions like the lower mortgage and lending rates.  

Is Experian Boost Safe?

Some people are worried about linking their bank account to Experian’s system. Rest assured that your personal information is protected with 256-bit encryption and a limited-access system. 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. 

Additional Services

Credit Lock

Hard inquiries hurt your credit because they signal you’re looking for a loan. While this impact isn’t as significant as your credit utilization rate and payment history, it’s still taken into account. With the credit lock service, you can prevent lenders from looking at your file without authorization. 

Experian Credit Lock reviews praise how straightforward and useful the service is. It gives you full control over your file, and you get real-time alerts when a company tries to review it. This is a premium-only service, though, and one of the most important reasons to consider choosing Experian’s paid package.

Identity Theft Protection

With credit card numbers sold in big batches on the Dark Web, never has ID protection been more critical. Experian offers a full range of identity theft protection services. From monitoring your accounts for suspicious activity to US-based fraud resolution and up to $1,000,000 in ID theft insurance, they offer comprehensive protection for you and your family.

There are hundreds of glowing Experian Identity Theft Protection reviews online both for the free and premium service. You can run a free Dark Web scan, and child ID scan with no credit card signup required right now. Experian Identity Works reviews do mention that the company doesn’t offer computer protection, but otherwise, the premium package encompasses virtually all aspects of ID protection.  

Experian Price & Plans 

Experian isn’t a dedicated credit repair website. They’re in the business of making reliable credit reports, and that’s why the company can afford a wide range of free services. Here’s how the free plan differs from the premium membership: 

Experian CreditWorks Basic

With the forever-free plan, you get: 

  • Monthly credit report & FICO score
  • New account and new inquiry monitoring
  • Free Experian Boost to improve your score

If you notice any incorrect items, you can also dispute them for free from the Dispute Center. Dark web scans and child ID scans are also free. Plus, none of the free services come as a trial or require you to sign up with a payment method

But, if you do want to invest in a better financial future, the premium membership is affordable and comes with many perks.

Experian CreditWorks Premium

The Experian CreditWorks Plus plan will set you back $4.99 for the first month and $24.99 per month after that. If you choose annual billing, the one-time payment is $249.99 /year, saving you 17% or $29.98. 

The premium account includes: 

  • Daily credit report & FICO score updates
  • Tracking credit utilization rate, balance changes, positive activity, and dormant accounts
  • Experian, Equifax®, and TransUnion® monitoring (not just Experian)
  • Additional FICO scores (e.g., for auto loans or mortgage loans)
  • Score change alerts
  • FICO score simulator
  • Credit Lock to protect your information and prevent damage from hard inquiries
  • Comprehensive identity theft protection, including fraud resolution, insurance, and advanced monitoring (from SSN to address changes, court record, and even file sharing and social network monitoring)

The Premium plan does offer a lot of value, even if you only end up using it for a few months. If you prefer a more budget-friendly solution, you can also view your updated credit reports and insights for a one-time fee

You can view your complete report by Experian for $19.99 or get the three-bureau credit report and scores for $39.99. 

Customer Support

If you have any questions or issues with Experian, you can contact them on the phone or via email. There is no Experian live chat yet, but they are very quick responding to emails. The phone line hours are Monday to Friday, from 7 am to 7 pm CST. 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

Experian Boost reviews online are overwhelmingly positive, though some issues do come up. Here’s a breakdown of what real users have to say in their Experian Boost reviews

The Positives

Happy reviewers point out that Experian simply works. Some of these 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 for a debt management plan.

Since a poor credit score affects virtually all aspects of your life, finding something that truly works is a huge relief. Experian Boost reviews on Reddit, in particular, are very positive, especially the 2021-updated ones.  

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. 

Our Verdict

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 do they 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 offer for both individuals and businesses make Experian one of the top credit repair sites in 2021

You can try out their free tools to get a taste of what they have to offer, and subsequently opt for affordable credit monitoring and management with a premium account.

Alternatives of Experian

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 to 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 their free tools today and see for yourself how Experian can improve your credit.


  • Free online disputing
  • Experian CreditWorks Basic for free
  • Advanced identity theft protection
  • Simple and affordable pricing structure
  • Free Experian app for iPhone and Android
  • Instantly add positive items with Credit Boost
  • Comprehensive credit reports and monitoring


  • Customer support quality complaints
  • Limited computer security tools (for ID protection packages)
Experian Review - Company Logo

Editorial Rating

FAQs About Experian

What is Experian?

Experian is one of the “Big Three” credit reporting bureaus. They use 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. They provide 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. Their 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. They use 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.)