UltraFICO® The Open Banking Score™
Provides an unprecedented and broader view for lenders to assess credit worthiness.


A New, More Inclusive Approach
The UltraFICO® Score provides a new dimension of insight that unlocks the potential of millions of consumers with positive financial profiles that extend beyond their traditional credit report. Now consumers are empowered to contribute their checking, savings, and money market account data (demand deposit account data — DDA) to enhance their FICO® Score, providing an unprecedented and broader view for lenders to assess credit worthiness. Lenders can use this score to help attract new customers and take a fresh approach to serving their customer base, or reinventing their customer credit experience, in a more inclusive manner.
UltraFICO® Score, An Inclusive Measure of Consumer Risk
Expand your view on consumer credit risk using alternative data.

Capabilities
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Smart
Differentiate and compete more effectively by matching the best credit offer to the consumer in a crowded marketplace.Compliant
Compliant reason codes reflect the demand deposit account data used for the score calculation, like any other FICO® Score.Trust
Trust the same level of rigor and integrity as other FICO® Scores.Innovative
Gain the benefit of unprecedented risk insight driven by integrating cash flow dynamics into a consumer credit score.FICO Model
The FICO model considered tens of millions of records across many lending institutions to empirically quantify the relationship between how a consumer manages their demand deposit accounts and credit risk.
The UltraFICO® Score algorithm adjusts the existing FICO® Score given the additional insight offered by consumer permissioned DDA data. This approach can be used by lenders to help broaden access to credit for young or immigrant applicants building a credit profile as well as those reestablishing their financial standing following distress. Lenders can make better decisions for those consumers who are near score cut-offs or unscorable consumers with an UltraFICO Score.
