Boosted score vs not boosted: what's the difference?

Boost takes more into account

Previously, regular payments like your monthly Council Tax bill had no influence on your Experian Credit Score. Boost changes that.


By sharing payments like this, and showing how you manage your money, you could boost your credit score by up to 66 points. It’s the only way to instantly raise your free credit score anywhere in the UK.

The difference Boost makes

See the things that can impact your score – before & after Boost

  • Savings and Investments The amount you pay towards savings or investment accounts.
  • Council Tax payments Instalments to your local council to pay your home’s Council Tax.
  • Account incomings & outgoings The total amount of incomings & outgoings of your current account.
  • Digital entertainment payments Your payments for streaming services, such as Netflix or Spotify.
  • Credit applications All credit applications you have made in the last 12 months.
  • Credit usage What percentage of your available credit you actually use.
  • Financial associations People you share a joint bank account, mortgage or loan with.
  • Electoral roll data Your name and address currently registered on the electoral roll.
  • Late payments & defaults Records of your late payments and defaulted accounts in the last six years.
  • County court judgements Any CCJs you’ve had registered against you in the last six years.

Savings and Investments

The amount you pay towards savings or investment accounts.

Council Tax payments

Instalments to your local council to pay your home’s Council Tax.

Account incomings & outgoings

The total amount of incomings & outgoings of your current account.

Digital entertainment payments

Your payments for streaming services, such as Netflix or Spotify.

Credit applications

All credit applications you have made in the last 12 months.

Credit usage

What percentage of your available credit you actually use.

Financial associations

People you share a joint bank account, mortgage or loan with.

Electoral roll data

Your name and address currently registered on the electoral roll.

Late payments & defaults

Records of your late payments and defaulted accounts in the last six years.

County court judgements

Any CCJs you’ve had registered against you in the last six years.

How to get started

To see if you could get a Boost, simply sign up for a free Experian Account and follow 3 easy steps:

  • Securely connect your current account – don’t worry, we don’t store your bank login details
  • We’ll scan for anything Boost-worthy, such as paying certain bills regularly or making deposits to savings accounts
  • We’ll work out how big your boost could be