you are absolutely correct! the dti boost was the dealbreaker for me! 
I only found that out because on my EQ account I saw under my financial information it had my monthly debts @ $1500 and I knew for a fact it was only $1171, couldn't figure it out till I looked closely at the utilities were now counting against it!
Tempting, as my EX is by far the most inquired. Every single card I have pulled EX; the other two CRs were merely also runs.
My credit union changed backend processors, so Experian can’t connect to my CU any more. Net result: 21 point drop in my EX score. They’re “working on it.”
^Oh it does, go back and look at some other replies in this thread, just a page or two back.
@Anonymous wrote:
[Mod cut] mentioned experian boost to me first. I gained 26 points just from adding phone bills to my report. Experian boost may be all you need to actually cross into the excellent score you need so badly.
Yes, but lenders don't care about the boosted score, only your normal score (if they even see the boost at all). This Experian boost is solely for self-gratification, IMO.
Boost IMHO is a way for Experian to get access to your banking information to mine it...
Plus the enhanced score is not universally accepted/used....
I'd like a little more out of letting them swim in my bank accounts....
-J
I tried it and it added about 8-9 points but I heard others on thread mention about letting experian have access to your banking account and I immediately discharged from it and changed all my passwords, hadn't even thought of that, that's why I love this forum!