 TITLE: What Is Experian Boost? CONTENT: How Does Experian Boost Work?\n-----------------------------\nNormally, utility and phone payments do not factor into your credit scores. When you use Experian Boost, however, Experian uses your bank records to find on-time qualifying payments for these monthly bills. Experian Boost also now factors in on-time Netflix® payments, giving consumers even more opportunity to improve their credit scores.\nBy adding these records to your credit file, Experian Boost helps you build positive payment history. Payment history is the most important factor in calculating your credit scores, so adding records of on-time payments can be very valuable. Keep in mind, Experian Boost only considers positive payment history on these accounts, so late payments will not lower your credit scores.\nThe length of your credit history also plays a big role in your credit scores. Adding more accounts to your credit file with Experian Boost helps you build credit history by showing more evidence of active accounts and on-time payments. END