¿Qué es Experian Boost?

A lady, facing away from the camera, sitting on a boat floating in clear blue water surrounded by 5 other boats and the mountain

Experian Boost^®^ø es la primera característica de su tipo que ayuda a los consumidores a mejorar instantáneamente su puntaje FICO^® Score^☉ ^®☉ al darles crédito por sus pagos puntuales de servicios públicos, telecomunicaciones y ciertos pagos de servicios de retransmisión de contenido. Experian Boost es bueno para las personas con poco o ningún historial crediticio, así como para los prestatarios establecidos que buscan aumentar sus puntajes de crédito.

Los usuarios promedio aumentaron su puntaje 8 FICO^® Score^® en función de los datos de Experian en 13 puntos. Es posible que algunos no vean mejores puntajes o probabilidades de aprobación. No todos los prestamistas utilizan información crediticia afectada por Experian Boost.

¿Cómo funciona Experian Boost?

Normalmente, los pagos de servicios públicos y teléfono no se tienen en cuenta en sus puntajes de crédito. Sin embargo, cuando utiliza Experian Boost, Experian utiliza sus registros bancarios para encontrar pagos puntuales que califican para estas facturas mensuales. Experian Boost también tiene en cuenta los pagos a tiempo de Netflix^®, lo que brinda a los consumidores aún más oportunidades de mejorar sus puntajes de crédito.

Al agregar estos registros a su expediente crediticio, Experian Boost le ayuda a crear un historial de pagos positivo. El historial de pagos es el factor más importante para calcular sus puntajes de crédito, por lo tanto, agregar registros de pagos a tiempo puede ser muy valioso. Tenga en cuenta que Experian Boost solo considera el historial de pagos positivo en estas cuentas, por lo que los pagos atrasados no reducirán sus puntajes de crédito.

La duración de su historial crediticio también juega un papel importante en sus puntajes de crédito. Agregar más cuentas a su expediente crediticio con Experian Boost le ayuda a crear un historial crediticio al mostrar más evidencia de cuentas activas y pagos a tiempo.

¿En qué se diferencia Experian Boost?

Experian Boost no es solo diferente, es el primer servicio que brinda a los usuarios la capacidad de aumentar su puntaje FICO^® en cuestión de minutos. Hasta el momento, más de 4 millones de estadounidenses conectaron sus cuentas a Experian Boost. Como se mencionó anteriormente, ciertos pagos nunca se incluyeron en sus puntajes de crédito. Experian Boost es el primer producto en cambiar eso, al aumentar sus puntajes de crédito de inmediato si se encuentran pagos puntuales calificados en sus cuentas bancarias.

¿Quién se puede beneficiar de Experian Boost?

En todo el país, Experian Boost elevó los puntajes de crédito de los estadounidenses en más de 29 millones de puntos en total. Cualquiera puede registrarse en Experian Boost, pero los consumidores con poco o ningún crédito y aquellos con puntajes de crédito muy bajos o justos tienden a beneficiarse más.

De cada nivel de crédito FICO, muy bajo, justo, bueno, muy bueno y excepcional, la mayoría (87 %) de las personas con un puntaje muy bajo que utilizaron Experian Boost tuvieron un aumento en su puntaje FICO^® Score^®. Entre las personas con un puntaje justo, el 63 % tuvo un aumento en sus puntajes.

¿Cuánto cuesta Experian Boost?

Experian Boost es completamente gratuito. Una vez que se registre, se lo inscribirá automáticamente en una membresía básica gratuita de Experian CreditWorks℠, que ofrece servicios adicionales como monitoreo de crédito gratuito y un puntaje FICO^® Score^® gratuito. No hay ningún cargo adicional por conectar sus cuentas bancarias y, si decide desconectar su cuenta, puede conservar su membresía básica de Experian CreditWorks.

Si paga una factura de servicios públicos, telecomunicaciones o Netflix con sus cuentas bancarias, considere usar Experian Boost para obtener crédito por sus pagos anteriores a tiempo y aumentar instantáneamente sus puntajes de crédito. Siempre puede obtener su puntaje de crédito gratuito de Experian para mantenerse al tanto de su crédito y ver cómo puede mejorar sus puntajes.

How Good Is Your Credit Score?

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¿Qué es Experian Boost?

In this article:

¿Cómo funciona Experian Boost?

¿En qué se diferencia Experian Boost?

¿Quién se puede beneficiar de Experian Boost?

¿Cuánto cuesta Experian Boost?

Instantly raise your FICO^® Score for free

How Good Is Your Credit Score?

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In this article:

¿Cómo funciona Experian Boost?

¿En qué se diferencia Experian Boost?

¿Quién se puede beneficiar de Experian Boost?

¿Cuánto cuesta Experian Boost?

Instantly raise your FICO® Score for free

How Good Is Your Credit Score?

Resources

Latest Research

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Instantly raise your FICO^® Score for free