Experian will walk you through each of the steps one-by-one when you start your boost:
1. Agree to give Experian read-only access to your bank account payment history.
2. Connect the bank or credit card account you use to pay your utility bills, so Experian can verify your electronic payment records.
3. Using world-class encryption to keep your data secure, Experian will look for at least three months of payments within six months for each bill.
4. Experian will show you what was found, so you can verify it's correct and add it to your Experian credit file for a boost.
And that's it! A couple things to keep in mind though: Experian can access up to 24 months of data to add to your credit file, as determined by your bank or credit card provider. The payments for your bills must be from the same payment source. If you miss a payment, that negative data won’t be added to your credit file—and you can disconnect your added bills at any time.