How does Experian Boost® work?

When your ZenFunds account is connected to Experian and you use Experian Boost®*, you may be able to improve your FICO® Score** simply by paying your bills on time. Qualifying bills include:

• • • Utilities like gas, electricity, and water
    • Phone
    • Internet
    • Trash
    • Certain streaming services including Netflix, Hulu, and Disney+

Here’s what happens when you use Experian Boost:

1. 1. 1. Experian scans your transaction history for qualifying merchants.
      2. It then looks for three consecutive on-time payments that you made to those merchants within six months.
      3. Experian then adds these payments to your credit profile to help improve your FICO® Score.

Frequently asked questions

Is Experian Boost®  secure?

When you use Experian Boost, your account information is protected with world-class encryption. The company has read-only access to your account and cannot make any changes to it.

Does switching my payment account for a bill affect Experian Boost?

No, switching to another ZenFunds account to pay a bill won't affect your payment history.

Is Experian Boost similar to SpotMe®  Boosts?

Experian Boost is different from SpotMe Boosts! While SpotMe Boosts temporarily increase your SpotMe limit, Experian Boost may improve your FICO® Score.

How do I disconnect my ZenFunds account from Experian Boost?

Follow these steps in your ZenFunds app to disconnect your account from Experian Boost:

1. 1. 1. Go to Settings.
      2. Tap Credit tracking.
      3. Tap Disconnect from Experian Boost and follow the prompts.

*Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

**Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.