Business · Companies · 17 hrs ago
Experian expands Boost to include rent and buy now, pay later activity
Experian has expanded its free Boost service to give people more insight into how their money habits may affect access to credit.
The service uses open banking to analyse current-account information, including rent, household bills and buy now, pay later activity.
Tenants can add rent payments to their Experian credit report, and users get personalised insights into what may help or affect their financial profile.
The update aims to show how everyday spending may affect affordability checks by lenders considering applications for products such as mortgages, loans and car finance.
Experian said 71% of more than 113,000 existing users who had enough data saw a positive uplift when tested with the new version in July.
The new version is rolling out this week and is expected to be generally available by the end of November; credit card spending data is planned for 2027.
Experian has expanded its free Boost service to include rent, housing-related payments and buy now, pay later activity.
The service uses current account information connected through open banking to show how everyday spending may be viewed by lenders.
It gives users personalised insights into financial behaviours that may help or affect their profile.
Experian said 71% of more than 113,000 existing users tested in July received a positive uplift after signing up, excluding people with insufficient data to generate a score.
The rollout starts the week of November 9, 2026, and the service is expected to be generally available by the end of November.
- Who
- Experian is expanding its Boost service for consumers.
- What
- Boost will include rent, housing-related payments and short-term borrowing activity, including buy now, pay later. It gives users insights into how lenders may view their spending.
- When
- The rollout starts the week of November 9, 2026, with general availability expected by the end of November.
- Where
- Not stated
- Why
- Experian said lenders increasingly consider information beyond traditional credit reports when assessing applicants.
This story does not have two clearly opposing sides.
Experian tested the new Boost product with more than 113,000 existing users, excluding those with insufficient data to generate a score.
Experian said the new rollout would start.
Experian said Boost would be generally available.
Experian plans to introduce credit card spending data into Boost.
- Service
- Free Experian Boost, using current account information connected through open banking
- New activity covered
- Rent, housing-related payments, household bills and short-term borrowing
- Test result
- 71% of more than 113,000 existing users received a positive uplift
- Rollout
- Starts the week of November 9, 2026
- Planned addition
- Credit card spending data in 2027
What people are saying
We’re putting more power into people’s hands by giving them greater understanding of the financial behaviours that can influence access to credit.
At a time when many households are looking for ways to make their money go further, helping people unlock better financial opportunities has never been more important.
The latest Experian Boost update helps positive financial behaviours, such as paying rent and household bills on time, work harder for consumers.