How does Experian Boost® work? – Help

When your Chime account is connected to Experian and you use Experian Boost®*, you may be able to improve your FICO® Score** simply by paying your bills on time. Qualifying bills include:

- - Utilities like gas, electricity, and water
  - Phone
  - Internet
  - Trash
  - Certain streaming services including Netflix, Hulu, and Disney+

Here’s what happens when you use Experian Boost:

1. 1. Experian scans your transaction history for qualifying merchants.
  2. It then looks for three consecutive on-time payments that you made to those merchants within six months.
  3. Experian then adds these payments to your credit profile to help improve your FICO® Score.

Frequently asked questions

Is Experian Boost® secure?

When you use Experian Boost, your account information is protected with world-class encryption. The company has read-only access to your account and cannot make any changes to it.

Why can’t I create an Experian Boost® account through the Chime app?

Please contact Experian for help creating an account by calling (833) 430-2158.

Does switching my payment account for a bill affect Experian Boost?

No, switching to another Chime account to pay a bill won't affect your payment history.

Is Experian Boost similar to SpotMe® Boosts?

Experian Boost is different from SpotMe Boosts! While SpotMe Boosts temporarily increase your SpotMe limit, Experian Boost may improve your FICO® Score.

How do I disconnect my Chime account from Experian Boost?

Follow these steps in your Chime app to disconnect your account from Experian Boost:

1. 1. Go to Settings.
  2. Tap Credit tracking.
  3. Tap Disconnect from Experian Boost and follow the prompts.

*Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

**Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.