Your data. Your UltraFICO™ Score.
You’re in control.
An UltraFICO™ Score can unlock more credit opportunities for millions of hardworking people. You empower your UltraFICO™ Score. By simply and securely linking with your checking, savings or money market accounts, your UltraFICO™ Score can enhance your FICO® Score based on indicators of sound financial behavior. By opting in, you could broaden your access to more lending options and better terms.
7 out of 10
7 out of 10 people in the U.S. who have had consistent cash on hand in recent months and kept positive balances on their accounts, could see an UltraFICO™ Score that is higher than their traditional FICO® Score.
Over 15 million
You may be one of 15 million people in the U.S. who can receive an UltraFICO™ Score, even if you don't have enough credit history to generate a FICO® Score.
UltraFICO™ Score = New Opportunity
An UltraFICO™ Score gives lenders a clearer picture of who you are as a borrower. Have you ever felt like your traditional credit score doesn’t tell the full story? Your UltraFICO™ Score takes your banking activity into consideration, which provides lenders with a more comprehensive picture of your unique financial situation.
Your UltraFICO™ Score lets you show lenders indicators of sound financial behavior, not visible on a traditional credit report, including:
Length of time your
accounts have been open
Recency and frequency
of your bank transactions
Evidence of consistent
cash on hand
History of positive
Why trust the UltraFICO™ Score?
A joint Financial Inclusion partnership of FICO, fintech pioneer Finicity, and the global leader in consumer credit reporting, Experian.
As the independent, trusted leader in credit scoring, FICO pioneered the development of
scoring analytics decades ago that helped to democratize access to credit. We have led the
industry ever since, innovating new ways to responsibly expand access to affordable credit
for more and more people in the U.S. FICO Scores are used in over 90% of US lending
Learn more at www.ficoscore.com
At life’s big moments – from buying a home or sending a child to college – Experian empowers
consumers to manage their data with confidence so they can maximize every opportunity. Our
17,000 people believe the possibilities for you, and our world, are growing. We’re investing
in new technologies, talented people and innovation so we can help create a better tomorrow.
Learn more at www.experian.com
Finicity helps individuals, families and organizations make smarter financial decisions
through secure access to fast, high-quality data. The company launched its first financial
product in 2000 and has since grown to provide financial data APIs, credit decisioning tools
and financial wellness solutions, and partners with influential financial institutions and
disruptive fintechs to give consumers a leg up in a complicated financial world.
What Thought Leaders Have to Say
The UltraFICO™ Score is initially being offered through a small group of lenders as part of a limited pilot phase for consumers who cannot currently access credit or, in certain cases, could be eligible for better terms. This initial pilot phase is designed for fine-tuning of the deployment of the score. As we complete the pilot phase, the UltraFICO™ Score will be more broadly available.