Compared my Experian Boost to just waiting it out on a secured card

So I was trying to fix my credit score last summer after some dumb choices in my 20s. I signed up for Experian Boost hoping it would help by linking my Netflix and phone bills, and honestly it gave me like a 12 point bump at first. But then I got a secured card with a $500 deposit from Capital One and just used it for gas and groceries for 6 months. The Experian Boost felt kinda fake, like it was only pulling from things I already paid anyway. Meanwhile that secured card actually got me a real score jump of 45 points after 6 months of on time payments. Has anyone else tried both and felt like the card route is just way more solid?

2 comments

2 Comments

phoenixh749d ago

Tried the Boost thing too and it did nothing for me after the first month so I just let it fade out.

daniel5119d ago

Yeah, did you end up getting that weird crash around week 3 where you're just like "why am I even doing this"? My experience was exactly the same - first month felt like a superpower, then suddenly my body was like "nah, we're done here." I'm pretty sure I just paid for a month of expensive placebo and a whole lot of mild jitters. Kinda feel like I should have just spent that money on a decent cup of coffee and a good night's sleep, you know? At least that burnout feeling would have been my own fault.