UltraFICOTM score

The consumer-permissioned score. See where it can take your business.

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The UltraFICO™ Score adds bank transaction data (checking, savings or money market account data) with consumer consent to recalibrate an existing FICO® Score. This helps lenders broaden access to credit for the underbanked, make better decisions for consumers who are near score cut offs, or, in the case of an unscorable consumer, generate an UltraFICO Score.

Through real-time financial data aggregation, lenders can take a customer-centric approach to safely serving consumers.

Many consumers are still locked out of mainstream credit, including 79 million Americans who have sub-prime scores (680 or below) and 53 million Americans with not enough data on record for a FICO Score to be generated.

Ultra FICO

Core Benefits


The UltraFICO Score is a more comprehensive understanding of the consumer’s financial profile. Designed to reflect the same odds-to-score relationship and framework.


Attract the underbanked – the self-employed, millennials, migrant savers and remitters – and expand your lending base. Make responsible credit offers to consumers that were previously invisible.


Provide consumers with compliant reason codes reflecting the deposit account data used for score calculation – just like any other FICO Score.

UltraFICO Resources

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 the deployment of the score. As we complete the pilot phase, the UltraFICO Score will be more broadly available.

If you are interested in participating in this pilot or learning more, please contact us to receive news and updates on availability.

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