Pump Up Your Credit Score With UltraFICO™

Every little bit helps.

The introduction of a new element to help improve your credit score, UltraFICO, is set to launch as a pilot program in early 2019.

This new score has the potential to improve credit access for many Americans and is especially relevant for those with current credit scores in the upper 500s to lower 600s. Consumers with limited credit history or previous financial distress could benefit.


With UltraFICO™ Score, a consumer grants permission to contribute information from bank statements. It’s strictly an opt-in feature that uses data about banking behavior—the length of time the bank accounts have been open, frequency of activity, and evidence of saving—in addition to payment practices to calculate a score, which can show more positive financial behavior.

It’s estimated that seven out of 10 consumers who exhibit responsible financial behavior in their checking and savings accounts could improve their score with this program.

The UltraFICO™ Score adds bank transaction data with consumer consent to recalibrate an existing FICO® Score. This will help lenders broaden access to credit, especially for consumers who are near score cut offs, or for an unscorable consumer to generate an UltraFICO™ Score.

With UltraFICO™ Score, a consumer grants permission to contribute information from banking statements, including the length of time accounts have been open, the frequency of activity, and evidence of saving, which can be electronically read by Finicity and combined with consumer credit information from Experian to provide an enhanced view of positive financial behavior. Read More

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