and also only works by giving them access to your checking account. anyone who uses credit cards to pay bills doesnt get a boost. doesnt seem worth losing the points over, id rather have 2% off my bills (unless the boost had a material impact on a mortgage rate, but then you would have to pay your bills for years with checking, hoping boost is still around.)

If you have credit cards, you’re already building credit so you won’t need it.

you dont gain additional credit for paying your bills on a cc, if anything its slightly stunning your utilization.

That’s what I just said. If you already have credit, you won’t need the Credit Boost of letting them see your checking account. It’s meant for people who don’t have credit.