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UltraFICO® The Open Banking Score™

Provides an unprecedented and broader view for lenders to assess credit worthiness.

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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.


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.


Trusted DDA Data

For the first time, consumers can incorporate their checking and savings account histories for greater precision in a national scoring system.


Gain unprecedented risk insight driven by integrating cash flow dynamics into a consumer credit score for faster, more competitive, and profitable lending decisions.

Customer Opportunity

Provide greater engagement and transparency with a more inclusive credit decision process and build lasting loyalty.

The Trusted Standard

The UltraFICO® Score follows the same blue-print design as the traditional FICO® Score and is engineered for easy adoption and interpretation.

How the UltraFICO® Score Works


Once the consumer accepts

A score inquiry is made to the credit reporting agency.


In a digital origination environment

The consumer is directed to a secure site to answer questions about their existing DDA banking relationships.


Once the consumer selects their accounts and permissions access

Their DDA transaction history is summarized and sent to the credit bureau that hosts the scoring algorithm developed by FICO. The new UltraFICO® Score consumes the DDA data in addition to traditional credit data housed at the credit bureau.


The UltraFICO® Score algorithm

Creates an adjusted FICO® Score given the additional insight offered by the DDA data (or in the case of unscorable consumers will generate a new UltraFICO® Score if minimum scoring criteria are met).


This score is then transmitted

By the credit bureau to the lender along with reason codes reflecting the data used for score calculation, just like any other FICO® Score. Additionally, DDA related predictive characteristics are provided.

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