UltraFICO® Score
The consumer-powered score. See where it can take your business.
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The Cost of Inaction in Credit Underwriting
The borrower landscape is shifting, with more consumers entering the credit market who have thin or non-traditional credit histories. Scoring methods that include traditional credit data alone often fall short of capturing true creditworthiness of these individuals, causing lenders to miss out on qualified applicants and growth opportunities. Credit scores determine the baseline for eligibility and risk — but cash flow data refines that picture, helping lenders differentiate borrowers who share similar scores but carry very different risk profiles. Every declined customer becomes a competitor’s gain. Integrating cash flow data through the UltraFICO® Score provides lenders with a fuller financial picture, empowering them to approve more borrowers across segments without compromising risk standards. Those who adapt quickly will strengthen their portfolios, while those who don’t risk falling behind more forward-thinking competitors.
Cash Flow Intelligence, Without the Complexity
Other cash flow scoring solutions come with hidden costs: multiple vendors, custom development, long validation cycles, and unfamiliar frameworks that require retraining and workflow rebuilds. FICO is different.
Deeper predictive precision.
Credit and cash flow signals optimized into a single score - UltraFICO® Score unlocks the full predictive power of cash flow data to deliver incremental lift on top of the industry's most trusted credit score.
Familiar scoring framework.
Unlike providers with proprietary scores your teams must interpret, UltraFICO® Score aligns with FICO® Score odds, is designed to be fully FCRA-compliant, and delivers enhanced decision power that deploys within your existing scoring frameworks immediately.
Operational simplicity.
Cash flow data integrates as an additive layer to your existing FICO® Score workflows — no custom development required, no disruption to current credit bureau relationships or platform integrations, and faster time-to-value. UltraFICO® Score offers powerful cashflow intelligence within your trusted infrastructure, no rebuilding required.
Model Performance Matters
Increase approvals
Expand credit risk assessment
Enhance payment capacity
*Applicants with no NSF in last 3 months, while maintaining min $400 average balance.
Lenders Connect, Authenticate, Decide — All in One Flow
Step 1 — Embed
Step 2 — Authenticate
Step 3 — Retrieve
Faster, More Secure Application Experience for Consumers
Step 1 — Select
Step 2 — Consent
Step 3 — Apply
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Leveraging Alternative Data to Extend Credit to More Borrowers
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Money 20/20 Sits Down with FICO CEO Will Lansing
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UltraFICO® Score works just like the FICO® Score you already know and trust — no new infrastructure, no learning curve. Ready to see it in action? We'll set you up with a test on your own sample portfolio so you can evaluate the results firsthand.
*FICO and UltraFICO are registered trademarks of Fair Isaac Corporation in the United States and in other countries. Other product and company names herein may be trademarks of their respective owners.