+43 points to Experian using Experian Boost

[Anonymous]

I suspect that the outcome of this program is that lenders will refuse to use EX FICO8 in underwriting.

[Anonymous]

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@Anonymous wrote:

I suspect that the outcome of this program is that lenders will refuse to use EX FICO8 in underwriting.

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It’s possible.

I bet Experian has a way for lenders to see the unboosted score to avoid this though. 

I wish that this program would fail but as we see, people don’t really care about giving up such valuable information so I fear this is just the beginning of credit scores being tied to bank accounts. 

[Revelate]

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@masscredit wrote:

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@Anonymous wrote:

It does use your bank account. It pulled my internet, phone and electric bill. Which I pay with debit since they usually charge a fee to use a credit card. From what I've read here you can sign up and if it doesn't find anything you can always cancel/opt out. 

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 It would be worth paying from my checking account to gain 30-40 points but I can't remember the last time a lender pulled my EX score. 

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You're not going to get that.

Boost is at best useful for thin / derogatory files and in this case it was a mix of both.

You have a long-established file, you're not going to get anything close to that if anything at all TBH.