WS Investor
20 Nov 2025, 20:56
FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO Score
FICO (NYSE: FICO) and Plaid have formed a strategic partnership to create an enhanced UltraFICO Score that combines FICO’s traditional credit scoring with real-time cash-flow data from Plaid. The new score aims to give lenders a more comprehensive and accurate view of consumer credit risk without added operational complexity.
Through Plaid’s network, which connects to over 12,000 financial institutions, lenders will gain permissioned access to consumers’ transaction data—including checking, savings and money market activity. The next-generation UltraFICO Score promises improved risk performance, easier implementation and full compatibility with existing FICO Score channels.
Both companies say the solution will support more inclusive and responsible lending by giving lenders a broader perspective on consumers’ financial readiness.
FICO (NYSE: FICO) and Plaid have formed a strategic partnership to create an enhanced UltraFICO Score that combines FICO’s traditional credit scoring with real-time cash-flow data from Plaid. The new score aims to give lenders a more comprehensive and accurate view of consumer credit risk without added operational complexity.
Through Plaid’s network, which connects to over 12,000 financial institutions, lenders will gain permissioned access to consumers’ transaction data—including checking, savings and money market activity. The next-generation UltraFICO Score promises improved risk performance, easier implementation and full compatibility with existing FICO Score channels.
Both companies say the solution will support more inclusive and responsible lending by giving lenders a broader perspective on consumers’ financial readiness.