I brought this up in a recent REI meetup and I think it is a tool that can help those who might need to build some age of credit or give a boost to that score to help get that better rate. Here are the links to the article in New York Times and the link from Experian. Best part it's completely free. That compounding % you can save over the course of a loan is free $$$$$. Hope it helps.

https://www.nytimes.com/2018/12/21/business/credit-score-reports-experian.html

https://www.experian.com/consumer-products/credit-score.html