 TITLE: Can Experian Boost Lower My Credit Score? CONTENT: How Does Experian Boost Raise Your Credit Score?\n------------------------------------------------\nHistorically, utility, phone, cable and internet bills were not factored into your credit scores. With Experian Boost, those payments could improve your credit scores when you give Experian permission to connect to the online bank account(s) you use to pay your monthly bills. Experian finds qualifying on-time payments, and once you verify the information and confirm that you want to add the accounts to your credit file, you'll receive an updated credit score instantly. The process takes about five minutes, and if you're eligible for a credit score boost, it will happen immediately.\nBy adding these new 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, so late payments on your added accounts will not negatively affect your credit scores.\nThe length of your credit history is another important aspect of your credit scores. By adding more accounts to your credit file, Experian Boost can help you build credit history since you'll have more evidence of active tradelines (accounts) and on-time payments. END