“The world’s biggest credit ratings agency is utilising Open Banking to launch a service which will factor in Netflix, Amazon and Spotify subscription payments and other bills to improve people’s credit scores. Experian is importing the service from the US to the UK and claims it will increase the credit scores of millions, helping them borrow money at a cheaper rate. Experian said over half, 51 per cent, of individuals using the opt-in free service called Experian Boost will get an improved credit score, meaning around 17m individuals will benefit.”