@ridgebackpilot wrote:I tried Experian Boost and my score didn't change. They were able to import my payment history for two utilities: Gas/electric and water.
Experian says that even though my score didn't immediately see a boost, it helps to add two new payment accounts to my file. My file will be thicker with accounts that are paid on time, and that's bound to be helpful eventually...
I don't see any good that comes from it for anyone with a thick file (read as 4+ tradelines already).
Giving lenders more information when they're using traditional FICO algorithms which currently all ignore those tradelines, seems like a losing proposition.
Even if everything is autopaid like clockwork for me as far as bills go, it's the same reason I don't sign up for Chase's credit journey or whatever it's called... you want to know more about me, you can go spend money Mr. Lender, I'm not giving it to you for free.
ETA: I don't have the Boost link on my Experian subscription.
Experian sent me an email invitation to take advantage of the Experian Boost. Found that interesting as I have a thick file and max scores. For some it may be worthwhile. For me not so much (won't be giving Experian the info they requested). No sense making more info available for hackers (as if they don't have it already?). 
@TaperRandy wrote:When I first saw BOOST in my Experian app a few weeks ago, I dismissed it. Then I questioned my initial instinct and explored the process. I was curious as to whether my $250 a month Verizon bill going back 15 years, would in part be retroactive. Then I hit the proverbial wall. The process involves a mandate to link my bank account information. That’s when I bailed. Nay bones, Jones...on giving that info out just to prove I pay a cellphone bill.
To be fair I think the concept of cashflow underwriting is going to be more common in the years and decades to come to fill in the gaps where credit scoring breaks down; however, like you I have no interest in sharing more information with basically anyone except maybe some future spouse and even there it would be a quid pro quo arrangement.
@Revelate wrote:
@TaperRandy wrote:When I first saw BOOST in my Experian app a few weeks ago, I dismissed it. Then I questioned my initial instinct and explored the process. I was curious as to whether my $250 a month Verizon bill going back 15 years, would in part be retroactive. Then I hit the proverbial wall. The process involves a mandate to link my bank account information. That’s when I bailed. Nay bones, Jones...on giving that info out just to prove I pay a cellphone bill.
To be fair I think the concept of cashflow underwriting is going to be more common in the years and decades to come to fill in the gaps where credit scoring breaks down; however, like you I have no interest in sharing more information with basically anyone except maybe some future spouse and even there it would be a quid pro quo arrangement.
Agree with your post but note, if Early Warning Systems gets it, much of it is already out there. Sure would be good for a RANT! 
Cash wouldn’t help.
Debit card comes off your checking account so that should be counted assuming you link that account.
ACH would be counted too, but I am not sure if I would use it regardless: if you have limited credit go build some more instead of giving Experian access to your bank accounts.
Debit card comes off your checking account so that should be counted assuming you link that account.
ACH would be counted too, but I am not sure if I would use it regardless: if you have limited credit go build some more instead of giving Experian access to your bank accounts.