Your Experian Credit Score is made up of factors, like how much credit you use and how reliable you are at paying it off. This already includes loans, credit cards, mortgages, mobile phone contracts, bank accounts and some regular household bills, such as energy, water and broadband.

What's the Open Banking use case?

Through the use of Open Banking, Experian’s Boost adds even more accounts to your credit history, so they can recognise when you've made regular payments, for example to your savings account, and raise your credit score.