UltraFICO® Score Fact Sheet

UltraFICO® Score combines consumer-permissioned banking data with trusted FICO® scoring to give lenders a more complete view of borrower creditworthiness. Built on 35+ years of FICO expertise and delivered in partnership with Plaid, it enhances existing FICO® Score workflows with one contract and one integration — helping lenders approve more qualified borrowers without adding incremental risk.

• UltraFICO® Score enhances the existing FICO® Score by incorporating consumer-permissioned bank account data, giving lenders a more complete view of borrower creditworthiness that complements traditional credit history.
• Lenders can confidently reach underserved segments: 65 million people have credit scores impacted by coverage gaps, and 79% of non-prime applicants with favorable cash flow history score higher — representing significant, low-risk portfolio expansion opportunity.
• UltraFICO® Score is a fully FCRA-compliant score, built on FICO's experienced and transparent credit insights and powered by Plaid's secure data network, that integrates into existing workflows with one contract and one integration — no custom analytics or model development required.
• Lenders can deploy UltraFICO® Score across the credit lifecycle — from expanding approvals and enhancing underwriting to optimizing pricing, terms, and loan amounts — using the same familiar decisioning frameworks already in place for traditional FICO® Scores.