FICO has announced a strategic partnership with Plaid to launch the next generation of the cash flow UltraFICO® Score, a unified credit scoring solution that blends FICO’s industry-standard scoring model with Plaid’s real-time, consumer-permissioned cash flow data. Designed to give lenders a deeper and more accurate view of borrower financial health, the enhanced UltraFICO Score leverages insights from over 12,000 financial institutions connected through Plaid’s network and will be delivered via Plaid Check, the company’s Consumer Reporting Agency.
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“This partnership represents nearly a year of strategic work to address what the market has been demanding—a broader perspective on consumer credit readiness,” said Julie May, vice president and general manager of B2B Scores at FICO, emphasizing its role in supporting responsible and inclusive lending. The new score aligns with the traditional FICO Score to ensure seamless adoption, reduces implementation complexity, and provides broad compatibility across lender systems. According to Plaid’s head of partnerships, Adam Yoxtheimer, “High-quality cash flow data is becoming essential for lenders who want a more comprehensive view of a consumer’s financial picture,” underscoring how this collaboration will enable smarter, scalable, real-time credit decisioning across the financial ecosystem.
