UltraFICO

FICO's next-generation UltraFICO, built with Plaid, became generally available on May 20, 2026. It considers cash-flow information from bank accounts you link, alongside your credit report data. It comes into play only when a lender offers it and you agree to connect your accounts, so it's opt-in rather than something applied to you automatically.

It can matter most when your bank records look stronger than your credit file, such as a thin file paired with steady savings. Since lender adoption decides whether it's available at all, ask whether yours uses it before counting on it, and read what the lender will see when you link accounts. Experian Boost is a different product that adds bill payments to your Experian file.