 I'm Nicole Murray with Your Money Now. More consumers with damaged credit are turning to credit building services to raise their scores. While the industry that has sprung up helping people improve their credit has exploded in recent years, they don't all play by the same rules according to a recent survey. For example, Experian Boost offers to improve your FICO score by giving you credit for making on-time utility, telephone, and rent payments with the promise that late payments won't get counted against you.