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Experian Boost Review (2024)

ID Theft Protection With A Rewards Program
By Katy WardBy Katy Ward -
Last Updated: Jun 18, 2023
logo-EXPERIAN BOOST™
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Price
Free
Insurance coverage
N/A
Number of Devices
Unlimited

Our Verdict

Is Experian Boost Worth Signing Up For?

As one of the most well-respected names in the credit reporting market, Experian® is now offering a feature that could immediately boost your credit scores by rewarding you for paying bills including your Netflix® membership, cell phone and utilities on time. Experian Boost could help you qualify for more competitive deals on credit cards, and loans which could save you thousands of dollars.

Price
Free
Insurance coverage
N/A
Number of Devices
Unlimited

Experian Boost™ at a Glance

8.6
Editorial Score

Additional Protection

Free access to your Experian credit report and FICO® Score, as well as the service’s monitoring and alerts
9.0

Monitoring

Experian Credit Report and FICO® Score every 30 days, instantly increase your credit scores, daily credit monitoring and alerts
10.0

Theft Insurance

N/A
6.0

Customer Support

6-8 Mon-Fri & 8-5 on the weekend
9.0

Scalable Plans

Free with add-ons available, like Experian CreditWorks℠ Premium package for $24.99 and Experian IdentityWorks℠ at $19.99 per month
9.0

Experian Boost™ Pros & Cons

PROS

Get rewarded for paying bills on time every month
Free access to your Experian Credit Report
The average FICO Score 8 boost is 12 points

CONS

24/7 phone support not available
Not all users will see their credit scores increase

Top Experian Boost™ Reviews

St
Stuart
It was easy to add additional payments…
It was easy to add additional payments to Boost and adding them had a positive effect on the Experian credit score.
JI
Jerry Irelan
Customer service guided me to freeze my…
Customer service guided me to freeze my credit with all three agencies. I feel financially safe, knowing that thieves are out there, stealing from the most vulnerable sector of society.
RK
RAYMOND KIRKMAN
I am just learning and so far…
I am just learning and so far everything is going well 🙏👍
See all Experian Boost™ reviews

How do I know I can trust this Experian Boost™ review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

Experian Boost™ Experian Boost™ Visit site

How Experian Boost Works

If you’re not already an Experian user, the first step is to create an account and enter your personal information such as your name, date of birth, address, and Social Security number into the company’s website. This allows Experian to identify you and locate the details of your credit history.

To check if you’re eligible for a boost, you’ll need to connect your Experian account to the bank account you use to pay your monthly bills. If you do qualify for a boost, you’ll see the increase in your FICO® Score immediately. According to Experian’s data, those who qualify for a boost see their FICO Score increase by an average of 12 points. Be aware, not all customers experience an improvement in their credit scores.

Are There Any Other Free Services?

Once you sign up, you’ll also receive free access to your Experian credit report and FICO® Score, as well as the service’s monitoring and alerts. This information allows you to gauge how you may appear to a potential lender. Based on your credit scores, Experian will also suggest a list of credit cards or loans that might suit your circumstances.

What If I Don’t Have Much Credit History?

If you’ve never previously borrowed money, you may think you’ll automatically have high credit scores as you’ve never been in debt. However, your lack of borrowing history means lenders have no way of knowing whether you can be trusted to make your repayments on time. Experian Boost recognizes other forms of responsible financial behavior, which can make it easier if you’re seeking to borrow for the first time. You don’t need to have an existing credit card to use the service.

How Easy Is It to Use? 

Not surprisingly for a company with Experian’s global reach, the website is sleek, easy-to-understand, and intuitive. We were impressed by its simple and accessible language when discussing potentially complex financial terms.

Its clean graphics allow you to see your credit score immediately and whether or not you’ve qualified for a boost. The service also allows you to see, at a glance, which credit bracket you fall into: poor, fair, good, very good, or excellent.

Like any service related to your credit history, Experian Boost requires you to provide some personal information, so having these details is worthwhile.

Experian Boost Customer Support

Experian’s support team is available between 6am and 8pm on Mondays to Fridays and between 8am and 5pm over the weekend. If you have a dispute regarding your credit file, the first step is to raise the issue via the company’s website or by mail. Experian doesn’t respond to specific queries relating to an individual’s credit scores via email. If your query is more general, the website has an extensive range of guides and FAQs.

Pricing & Special Offers

Experian Boost is a free feature, which means you won’t pay a monthly or annual fee. You can, however, purchase additional Experian services If you’d like to receive a more comprehensive picture of your credit history. 

The Experian CreditWorks℠ Premium package, for example, costs $24.99 per month following a free 7 day trial. As well as being able to see credit report information held by all 3 credit reporting agencies (Experian, Equifax and Transunion), you’ll have access to ID theft monitoring and prevention features and receive daily updates on your credit scores.

The company also offers a specialized identity theft service called Experian IdentityWorks℠, which is $19.99 per month following free 30-day trial.

Experian Boost™ Experian Boost™ Visit site

Bottom Line

Making repayments on the money you owe such as your credit cards or loans, but regularly pay your household bills on time. The ability to boost your credit scores immediately is a major advantage as repairing your credit scores can otherwise take years.

Although not all customers receive a boost, you should remember the feature is free to use. At the very least, it’s worth signing up to check if you qualify for a boost or to perform a health check on your finances.

*© 2020 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures.

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.

Experian Boost™ reviews

Great • Reviews 66,320
on
Excellent
53%
Great
12%
Average
10%
Poor
8%
Bad
17%
Sort by
St
Stuart
5 hours ago
It was easy to add additional payments…
It was easy to add additional payments to Boost and adding them had a positive effect on the Experian credit score.
JI
Jerry Irelan
11 hours ago
Customer service guided me to freeze my…
Customer service guided me to freeze my credit with all three agencies. I feel financially safe, knowing that thieves are out there, stealing from the most vulnerable sector of society.
RK
RAYMOND KIRKMAN
18 hours ago
I am just learning and so far…
I am just learning and so far everything is going well 🙏👍
Ke
Kevin
22 hours ago
Credit rating JUMPED!
It was exciting to see my credit rating jump that many points!

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