Why Isn't Experian Boost Finding My Bills?

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• Verify the account shown in Experian Boost matches the checking account you use for recurring bills (same bank, same last four digits).
• Open your bank's online portal, find a recent recurring merchant charge, and confirm it posts to that exact account.
• Ensure you linked a checking or savings account, not a credit‑card, prepaid, or P2P account, because Boost only reads ACH transfers.
• If the name or number is off, disconnect and reconnect the correct bank account in Boost's settings.
• After re‑linking, allow up to 24 hours for Boost to rescan before testing eligibility in the next section.

Your bank either supports Experian Boost or it doesn't, and you can confirm in seconds by checking Experian's official list or attempting the connection in the app.

• Open the Experian Boost app, tap 'Add bank,' and search for your institution; if it appears, the bank is supported.
• Visit Experian's bank‑partner page and verify your bank's name is listed.
• If the bank is missing, call your bank's customer service and ask whether they allow third‑party data aggregation for Experian Boost.
• Should the bank claim it supports the feature but the app still won't connect, proceed to the next step - see whether your bank's security or MFA blocks Boost access.

Your bank's security settings or MFA can stop Experian Boost from reading your recurring merchant charges.

1. Open Experian Boost, tap Re‑authorize and follow the bank's login screen. Answer every MFA prompt (text code, push notification, security question) immediately.
2. Keep fraud alerts, spend limits, and 'lock‑my‑account' toggles turned on; they do not block the read‑only link.
3. If the bank shows 'Access denied' or asks to approve a third‑party request, grant permission for Experian Boost.
4. When no prompt appears, log into your bank's online portal, find the Third‑party connections or App permissions section, and verify that Experian Boost is listed as an allowed read‑only app. (Most banks add it automatically during step 1.)
5. If the app is missing or still blocked, call your bank's support line and ask whether they allow read‑only API connections for Experian Boost; request they whitelist it.
6. After the bank confirms access, return to Experian Boost and click Refresh scan. Eligible recurring payments usually appear within a few days.

For additional help, see the Experian Boost support page.

Reauthorizing the Boost link forces Experian to run a fresh scan of your bank account. Open the Experian app, tap Settings → Experian Boost, choose 'Disconnect,' then sign back in and reconnect your bank; the reconnection clears the old cache and prompts Boost to pull the latest transaction feed.

Give Boost 24 - 48 hours to retrieve new recurring merchant charges; if nothing appears, move on to confirming your payments are truly recurring. For more detail, see the Experian Boost help center.

Only payments that appear as recurring merchant charges in your bank feed will be added by Experian Boost.

A recurring merchant charge is a debit that the bank tags with the same merchant name each time, occurs on a regular schedule (usually monthly), and is processed automatically via ACH or direct debit. Experian Boost scans only these flagged entries; one‑off transactions, credit‑card payments, or manually entered transfers are ignored.

Typical qualifying charges include a monthly Netflix subscription, an automatic electric‑utility bill, and a gym membership that debits the same account on the same day each month. Non‑qualifying examples are a one‑time Amazon purchase, a credit‑card payment made through a card‑issuer portal, and a peer‑to‑peer cash‑app transfer, all of which the Boost algorithm skips.

Experian Boost ignores credit‑card, prepaid and peer‑to‑peer payments; only recurring merchant charges that debit your linked bank account count.

• Boost scans the transaction feed of the bank account you linked, not other accounts or wallets.
• Payments made with a credit card appear as a separate line item and are excluded from the Boost algorithm.
• Prepaid cards and P2P services such as Venmo, Zelle, or PayPal are treated as third‑party processors, so their charges never qualify.
• Only recurring charges that pull directly from the bank account - utilities, telecom, streaming, etc. - are eligible.
• If a bill you want to boost is paid by credit card, switch to an ACH or direct‑debit option; Boost will pick it up after the next cycle.
• This rule follows the earlier check to confirm your payments are recurring merchant charges and precedes the step to expect up to 30 days for Boost to add new recurring payments.
• After changing the payment method, allow a few weeks for the new qualifying transaction to appear in Boost's scan.

Experian Boost may need up to 30 days to add a newly‑identified recurring merchant charge to your credit file because the platform refreshes its scan of your linked bank account on a rolling schedule rather than instantly, so after confirming the charge is truly recurring you should wait a month before troubleshooting further.

If a recurring charge shows up with a vague label, ask the biller to replace it with a clear merchant name. Boost only adds payments that contain a recognizable identifier, so vague descriptors remain invisible.

1. Review your recent bank statements and note every recurring charge that Boost hasn't recognized.
2. Contact the biller's customer‑service line or support email; reference the exact transaction date, amount, and the unclear description.
3. Request that future statements use a descriptive label that includes the company's name (e.g., 'Netflix Subscription' instead of 'POS 1234').
4. Explain that Experian Boost scans for recurring merchant charges and needs that identifier to credit your score.
5. After the biller confirms the change, wait for the next billing cycle and allow up to 30 days for Boost to pull the updated descriptor.

(For more details, see the Experian Boost support article.)

Only rent payments that flow through Experian‑approved third‑party processors add to your Boost score; mortgage payments never qualify, and any other processor counts only if Experian lists it as eligible.

Rent qualifies when the bill appears as a recurring merchant charge from a partner such as approved Experian Boost merchants. Verify the descriptor in your bank transaction - it should match the exact name of an approved partner. Mortgage entries, student‑loan or credit‑card payments, and rent that bypass a listed processor will be ignored. If the descriptor isn't on Experian's list, the payment won't boost your score, and you'll need to either switch to a supported processor or wait for the next eligibility update before moving on to the escalation steps.

Reach out to Experian and your bank, attaching the exact transaction examples that show the recurring merchant charges Boost is missing.

• Gather 3 - 5 recent statements highlighting the payment date, amount, and descriptor (e.g., 'Netflix 12345'); screenshots work well.
• Email Experian's Boost support via the Experian Boost support page, copy‑paste the sample rows, and note that you've already confirmed the correct bank link and that the bank supports Boost (see sections 1‑2).
• Contact your bank's customer service through the your bank's customer service portal; attach the same examples and ask them to verify that the merchant code is flagged as a recurring charge and not blocked by MFA or security settings.
• Request a confirmation code or ticket number from each party; include it in your next Boost re‑authorization (section 4) to force a fresh scan.

If both parties acknowledge the examples and confirm eligibility, run the Boost refresh and monitor for up to 30 days for the new recurring payments to appear.