More than a balance: Your day-to-day money habits are now in the picture.
Whether you're an emerging consumer, new-to-credit, a gig worker, or someone using modern financial products like buy now, pay later — your creditworthiness may not be fully reflected in your credit file. In fact, 65 million people have coverage gaps in their credit file, and 18% of U.S. adults have limited or no credit history despite 96% holding bank accounts. Those gaps shouldn't cost you access to credit. UltraFICO® Score changes that.
How UltraFICO® Score works for you
UltraFICO® Score enhances your existing FICO® Score using cash flow insights from your bank account activity — things like how consistently you maintain a positive balance, your savings patterns, and how you manage day-to-day spending. It gives lenders a fuller picture of your financial health, not just your credit history.
It's your choice.
Participation is completely voluntary. UltraFICO® Score is consumer-permissioned — you decide whether to link your financial accounts and share your data. You are in control from start to finish.It's secure.
Your data is shared through Plaid's network, used by thousands of financial institutions across the U.S., and is designed to be fully FCRA-compliant.It won't hurt your existing score.
UltraFICO® Score is purely additive — designed to help your standing with lenders, not hurt it.
Why it works: The numbers
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How the UltraFICO® Score Works
With the UltraFICO® Score, you are empowered to leverage your checking and savings account data to enhance your score. If you have a low FICO® Score, you have a chance to increase your score based on data you share. The process is easy as 1-2-3.
Frequently asked questions
UltraFICO® Score enhances your existing FICO® Score using real-time insights from your bank account activity — things like how consistently you maintain a positive balance, your savings patterns, and how you manage day-to-day spending. It gives lenders a fuller picture of your financial health, not just your credit history.
UltraFICO® Score is especially valuable for people whose credit files don't fully reflect their financial responsibility. That includes emerging consumers building their credit profile, new-to-credit individuals like recent graduates, immigrants, gig workers with non-traditional income, and people using modern financial products like buy now, pay later that don't appear on traditional credit reports.
By showing lenders the responsible financial behaviors that don't appear in traditional credit reports, you give them more reasons to say yes. 79% of consumers with sound financial habits receive a higher UltraFICO® Score, which can translate into better approval odds and potentially more favorable terms.
Lenders look at inflows and outflows across your accounts — things like stable or growing balances, regular deposits, consistent bill payments, responsible spending patterns, and avoiding overdrafts.
Your data is shared securely through Plaid's network, which is used by thousands of financial institutions across the U.S. The process is designed to be fully FCRA-compliant, and you control who sees your information.
