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:
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- Utilities like gas, electricity, and water
- Phone
- Internet
- Trash
- Certain streaming services including Netflix, Hulu, and Disney+
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Here’s what happens when you use Experian Boost:
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- Experian scans your transaction history for qualifying merchants.
- It then looks for three consecutive on-time payments that you made to those merchants within six months.
- Experian then adds these payments to your credit profile to help improve your FICO® Score.
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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.
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:
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- Go to Settings.
- Tap Credit tracking.
- Tap Disconnect from Experian Boost and follow the prompts.
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*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.