I would continue to pay the utilities on the US Bank Cash + if it were me. I have been using Experian Boost since 2019. Back then I only had 4 credit cards. I have noticed since then as I've added new cards and shuffled my spending categories to other cards some of those boosted accounts I had linked have become disconnected from Experian Boost. Accounts that used to be linked that I still pay using another card never get recognized anymore either even after a year of me switching my payment method. I have never seen my score dip down any as a result of those bills no longer being connected/being removed from my boost.
I also have seen certain bills never get added such as Netflix. For a while now Netflix is supposed to be eligible to be tracked by Experian Boost but in my case it has never showed up. I have even removed the card from my Boost profile and added it back and it doesn't show up. My wife is an authorized user on my Blue Cash Preferred which is where all my streaming supscriptions are charged. She gets credit for having Netflix on her Experian Boost, go figure. Netflix is on my card and in my name and Boost can't ever locate it.
So I said all that to say this, since you asked, I would be more interested in earning the most points and cash back possible and would keep using the Cash Plus instead of trying to get Experian Boost to give me a couple of extra points. Definitely do what you feel is best for your situation, these are just my thoughts.
I use Cash+ for utilities and my cellular phone bill, but I still make $5 payments via my checking accounts to keep the boost active.
@FinStar wrote:
@AyaMai wrote:I need input regarding Experian Boost. I pay my Xfinity, Portland General Electric and Northwest Natural Gas through automatic payments through US Cash+ as get 5% Cashback. My Experian Boost got removed because my payments of my utilities were switched from my bank checking account to US Bank Cash+. Should I keep using my US Bank Cash+ for payments or return to Experian Boost and paying my utilities, Xfinity and T-Mobile through my checking account and give up on 5% or 2% Cashback.
A variety of lenders strip away the 'boost' attributes in their algorithms so it's really negligible when it comes to actually having it.
There's a plethora of threads in RYC and UFS, for example, where some members allegedly mentioned that having 'boost' was really more of a bust than anything. Personally, I would use your CC to earn rewards since you're already building history with that particular CC account reporting.
It sure made the results of my prequals better when I got 80 points for using it and went from 610 to 690 but it wasn't actually real, so I would agree with finstar here.
I imagine somebody with a US Bank card probably has good credit, and OP doesn't really have a need for Experian boost. How many points is it even giving you?
