Your data. Your UltraFICO™ Score.
You’re in control.

You’re in control of your UltraFICO™ Score. By simply and securely linking with your checking, savings or money market accounts, your UltraFICO™ Score enhances your credit score based on indicators of responsible financial behavior. By opting in, you could broaden your access to more lending options and better terms.

7 out of 10

that show average savings of $400 without negative balances in past three months see an increase in their FICO® Score with the UltraFICO™ Score.

Over 15 million

who currently do not have a FICO® Score could receive an UltraFICO™ Score.

How the UltraFICO™ Score Works

With the UltraFICO™ Score, you are empowered to enhance your score by leveraging checking and savings account data in the score you build. If you have a low score or no score at all, you have a chance to increase your score based on data you share.

The process is easy as 1-2-3  

How the UltraFICO™ Score
Can Benefit You

Your UltraFICO™ Score lets you show lenders indicators of responsible financial behavior, not visible on a traditional credit report, including:

Evidence of savings and
keeping a healthy average

Maintaining a bank
account over time

Avoiding having a
negative balance

Regularly paying bills and
making other bank

See where it can take you

Soon lenders will be able to provide you with multiple access options to participate by computer, tablet or phone. Give your score a data boost; and keep improving with the UltraFICO™ Score.

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 Americans. FICO Scores are used in over 90% of US lending decisions. Learn more at

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

Finicity’s mission is to help individuals, families and organizations make smarter financial decisions through safe and secure access to fast, high-quality data. The company, which launched its first financial product in 2000 and has since grown to provide financial data APIs, credit decisioning tools and financial wellness solutions, partners with influential financial institutions and disruptive fintech providers alike to give consumers a leg up in a complicated financial world. Finicity was awarded API World’s 2016 Finance API of the Year and is a 2018 HousingWire Tech100 winner. Learn more at

What Thought Leaders Have to Say

Cheddar Video

Request More Information

The UltraFICO™ Score will initially be available 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.

If you are interested in getting your UltraFICO™ Score when it becomes available please complete the form to receive news and updates.