{"id":965139,"date":"2026-05-20T08:03:53","date_gmt":"2026-05-20T12:03:53","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/next-generation-ultrafico-score-now-available\/"},"modified":"2026-05-20T08:03:53","modified_gmt":"2026-05-20T12:03:53","slug":"next-generation-ultrafico-score-now-available","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/next-generation-ultrafico-score-now-available\/","title":{"rendered":"Next-Generation UltraFICO\u00ae Score Now Available"},"content":{"rendered":"

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Next-Generation UltraFICO\u00ae Score Now Available<\/b><\/p>\n

\nFICO and Plaid partnership delivers an enhanced credit score that combines the trusted FICO Score with consumer-permissioned cash flow data<\/p>\n

BOZEMAN, Mont.–(BUSINESS WIRE<\/a>)–FICO<\/b><\/a> (NYSE: FICO)<\/b>, global analytics software leader, today announced the general availability of the next-generation UltraFICO\u00ae Score, a credit score that combines the proven reliability of the FICO Score, used by 90% of top U.S. lenders, with real-time, consumer-permissioned cash flow data. Developed by FICO and powered by Plaid’s data network, the UltraFICO\u00ae Score provides lenders with an enhanced measure of consumer credit risk, on the same industry standard score scale lenders trust, with minimal operational lift.<\/p>\n

\nThe UltraFICO\u00ae Score builds on traditional credit data by incorporating cash flow insights drawn from consumer-permissioned bank account data across Plaid’s network of more than 12,000 financial institutions, including cash inflows and outflows, account balance stability, and spending behavior. The result is a single, enhanced score that delivers superior risk assessment without requiring lenders to overhaul their existing decisioning systems.<\/p>\n

\n“Lenders want more insight without complexity,\u201d said Julie May, vice president and general manager of B2B Scores at FICO<\/b>. \u201cThe UltraFICO Score advances credit scoring by delivering cash flow insights in a format lenders already understand, on the same score scale they already use, and within the workflows they already rely on. Our new score will enable more precise decisions with minimal operational rework, while recognizing consumers for financial behaviors not captured by traditional credit file data alone.\u201d<\/p>\n

\nBecause the UltraFICO\u00ae Score is aligned to the industry standard FICO Score scale, lenders can use this new score within existing credit policies and risk management frameworks from day one.<\/p>\n

\n\u201cConsumer financial lives have increased in complexity, requiring innovation in credit scoring so lenders have deeper context about borrowers and their ability to repay,\u201d said Adam Yoxtheimer, head of partnerships at Plaid<\/b>. \u201cFICO and Plaid are pairing trusted traditional credit scoring with high-quality cash flow data, enabling lenders to get up and running quickly, increase approvals responsibly, and maintain regulatory confidence.\u201d<\/p>\n

\nBy incorporating consumer permissioned indicators such as balance stability, deposit consistency, and spending behavior, the UltraFICO\u00ae Score helps lenders responsibly expand access to credit while maintaining sound risk discipline. Analyses of the UltraFICO\u00ae Score compared with traditional credit data alone show:<\/p>\n