Experian Boost®* lets you potentially improve your FICO® Score** by reporting on-time bill payments if your Chime account is connected to Experian.
Here are the kinds of bills that may qualify:
- Gas, electricity, and water
- Phone bills
- Internet service
- Trash collection
- Streaming services like Netflix, Hulu, and Disney+
You may see a score boost just by paying these bills on time. It’s free and won’t hurt your credit.
How Experian Boost® works with your Chime Account
Once your Chime account is linked to Experian, here’s what happens:
- Experian scans your transaction history for payments made to qualifying merchants.
- It checks for three on-time payments to the same merchant within a 6-month window.
- Those payments are added to your credit profile, which could help improve your FICO® Score.
Note: When you use Experian Boost, your account information is protected with world-class encryption. Experian only has read-only access to your account and cannot make any changes to it.
*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.