How to Add Bills to Experian Boost

Boost can raise your FICO® score if you have regular utility, phone, cable, streaming or other recurring payments that Experian doesn't already count. Experian Boost official guide outlines the details, and the next sections will show which bills qualify and how many points you might see.

• Verify that your bills belong to the 70+ categories Experian Boost accepts (see 'check which bills Experian accepts').
• Assess your current credit mix; scores driven mainly by credit cards and loans tend to gain fewer points from utility data.
• Expect an average lift of 5‑10 points, with high‑volume telecom or rent histories sometimes adding 15‑20 points (see 'estimate how many points Boost could add').
• Confirm you have online access to the accounts you want to link; Boost requires a login to pull payment history.
• Know that Boost only reads your payment information and never shares it with lenders, protecting your privacy.

Experian Boost accepts utility, telecom, internet, streaming and certain insurance bills. For a full list, see the official Experian Boost bill‑type guide.

• Electricity, gas, water, or other utility services
• Mobile, land‑line, or VoIP phone plans
• Cable or satellite TV subscriptions
• Home internet service providers
• Streaming subscriptions (e.g., Netflix, Hulu, Disney+, HBO Max, Amazon Prime Video, Spotify, Apple Music)
• Recurring insurance premiums (auto, home, renters)

Boost can raise your Experian credit score anywhere from a few points to about 20 points, with most users seeing a 5‑10‑point bump; thin‑file consumers may experience the higher end of that range.

1. List the bills you plan to link (utility, telecom, streaming, or rent).
2. Check your current credit profile: fewer tradelines or a lower score usually means Boost will have a larger impact.
3. Open the Experian app and tap the 'Boost estimator' tool - it shows a projected point increase based on the exact bills you add.
4. Expect an average lift of 5‑10 points; adding multiple large‑payment bills can push the gain toward 15‑20 points.
5. Remember the boost is additive only; other credit‑building actions (paying down balances, on‑time payments) still drive the biggest long‑term changes.

(See Experian's official description of Boost's potential impact here.)

Gather your online banking username and password, plus any recent utility or phone bill statements you might need for quick reference. You won't upload PDFs; the Experian app pulls payment data directly from the linked account.

Boost accesses the transaction feed of the bank you connect, identifies bill payments, and adds them to your credit file, so having the login ready eliminates delays. Keep a copy of the latest bill handy in case the app asks you to confirm the merchant name; this preparation smooths the next step on protecting your privacy while linking accounts. For details on how the connection works, see how Experian Boost links bank accounts.

Experian Boost protects your credentials by using read‑only, encrypted connections that token‑ize your login instead of storing passwords. Enable two‑factor authentication on your bank, use a strong, unique password, and link only accounts you control; the Boost process never shares billing details with lenders.

After you finish linking (see 'gather your bank login or bill statements'), you can revoke access at any time from the Experian app, and Boost will delete the token automatically. Review the Experian privacy policy for full transparency, then proceed to the 'add bills step‑by‑step' section to complete the boost.

Adding bills in the Experian app takes just a few taps.

1. Open the Experian app, log in, and tap the Boost tab.
2. Tap Add Bills at the top of the screen.
3. Choose the bill type from the accepted list (utility, cable, streaming, phone, insurance). If your bill isn't listed, you'll handle it in the 'add rent when your landlord isn't in Boost' section later.
4. Enter the online login for the bill provider (username and password). For paper‑only statements, tap Upload PDF and follow the prompts.
5. Confirm the connection; the app verifies the last 30 days of on‑time payments and asks you to approve permission to share the data.
6. Review the summary screen, then press Add to Boost to start counting the payments toward your credit score.
7. Return to the Boost dashboard to see the estimated point lift (average 10‑30 points per month).

For more background on how Boost works, see the Experian Boost service overview.

• If a bank connection fails, double‑check your login details, internet connection, and that the bank is supported by Boost.
• Verify the bank's compatibility on the Experian Boost troubleshooting guide.
• Log out of the Experian app, clear the app cache, then re‑enter your credentials and any required security token.
• Approve any multi‑factor authentication request in your bank's app or via text before returning to Boost.
• If the problem remains, reach out to your bank's tech support or Experian Boost support, then retry before proceeding to add rent without a landlord in Boost.

If your landlord isn't listed in the Experian app, you can still get rent counted toward your credit - but only through an Experian‑approved third‑party reporting service.

• Choose a service such as The Credit People's rent‑reporting program.
• Create an account and provide the landlord's name, address, and your lease details.
• The service verifies each monthly payment (usually via bank statements or a signed receipt) and submits the data to Experian.
• Once Experian receives the report, the rent history appears in your Boost‑eligible bills and may boost your score.

Remember, Boost itself only pulls utility, telecom, and streaming bills directly from linked accounts; rent data must come from one of these external partners. Use the third‑party route and your rent will be reflected in Boost without a landlord entry in the app.

To delete a bill or turn off Boost after you've started, open the Experian app, tap the Boost tab, and select 'My Boost.'

In My Boost, locate the bill you want to remove, tap the three‑dot menu beside it, and choose 'Remove.' The bill disappears from your credit profile and any points it added may revert within about 30 days.

If you prefer to stop Boost entirely, go to Settings → Boost and toggle the service off. Disabling Boost halts future updates but keeps previously added data in case you reactivate later. For more details, see the Experian Boost FAQ, which also explains how to combine Boost with other fast‑credit strategies.

Pairing Experian Boost with other quick credit actions can lift your score faster than Boost alone. After you've linked bills in the Experian app, combine Boost with these proven fast wins:

• Pay down revolving balances to keep utilization under 30%.
• Become an authorized user on a senior family member's well‑managed credit card.
• Enroll in a reputable rent‑reporting service (many landlords already partner with Experian).
• Connect utility or phone providers that support payment reporting.
• Leave older credit accounts open to preserve length of credit history.
• Refrain from opening new credit lines until Boost updates reflect.

For more details, see Experian Boost overview and tips.