Experian Boost-- a boost to their profits at your expense. (avoid..unless you have more money than sense)
The AI/Algorithm that is used is flakier than a box of Kelloggs. Nothing on my side has changed, but I get notices from the Experian system saying they don't see, are dropping, or flat out misread, the data from my bank. These are automatically scheduled payments that have held for years (Utility, Insurance, and Car Loan stuff). Instead of actually being able to get hold of a someone to get help, Experian uses an AI to -tell- you what your problem is and how to solve it (not even close on both accounts...and I've tried). If you disconnect your Boost, your credit score will be negatively affected by 30points-- IMMEDIATELY-- Nothing changes other that you're not sharing unrelated details...just WHAM you're a credit risk. I"m seriously considering dropping this whole service as I'm not able to see where there's any benefit other than paying to have insurance people contact me, mortgage scammers out the wazoo, and messages for auto-finance refinancing, every time I log into the system. If Experian can prove that it's worth $300 a year, I might reconsider. But as of late July 2026, this is an epic waste of money for very very very little in return.