 TITLE: What Is the Difference Between UltraFICO™ and Experian Boost? CONTENT: Experian Boost and UltraFICO™: Similarities and Differences\n-----------------------------------------------------------\nHere's a breakdown of Experian Boost and UltraFICO™ services and features:\n**Experian Boost**\n**UltraFICO™**\n**Cost**\nFree\nFree\n**Opt-In?**\nYes, consumers choose to opt in\nYes, consumers choose to opt in\n**Features**\nAllows consumers to add positive payment history to their credit file\nAllows lenders to see consumers' positive banking account activity\n**How It Works**\nThrough experian.com\/boost, consumers can opt in to share their information, resulting in an updated FICO® Score\nDuring the loan application process, lenders can ask consumers if they want to opt in and share their banking activity to get an UltraFICO™ Score\n**For How Long?**\nAs long as you want to keep your payment history added to your Experian credit report. You can opt out at any time\nAs long as you want to include your banking activity in your score. You can opt out at any time\n**How Quickly Do Scores Change?**\nConsumers may see an immediate improvement\nOnce the lender adds the banking activity, consumers may see an improvement in their UltraFICO™ Score\n**Who Benefits?**\nConsumers with positive payment history and those with limited credit history or few credit accounts\nConsumers with limited or previously problematic credit history who have positive bank account information\n**Why Use It?**\nAdding positive payment history gives more consumers an opportunity to get scored or improve their credit scores\nAdding positive banking information allows consumers to improve their credit scores and become qualified for better rates and offers from lenders\n**Which Credit Bureaus Use It?**\nExperian\nExperian\nThe bottom line: Both products are about creating greater access to credit. Some consumers today don't have access because they don't have enough credit activity for lenders to assess. Experian Boost and UltraFICO™ help those consumers get credit for good financial management, giving them a better chance of reaching their financial goals. END