More approvals, same FICO® framework
Better lending starts with a more complete view of risk. The UltraFICO® Score uses Plaid’s cash flow data for a wider view of borrower finances.
Increase approvals responsibly
Approve more creditworthy borrowers, without compromising your risk standards.
Get up and running quickly
Launch in weeks, not quarters, with a score designed for existing FICO® workflows.
Maintain regulatory confidence
Use cash flow scoring that meets the same compliance risk standards as the FICO® Score.
Approve more creditworthy borrowers
Unlock more approvals from existing applicantsCombine credit and cash flow data to identify creditworthy borrowers with a more precise view of ability to pay.
Stay ahead of the curveApprove the borrowers competitors are capturing today without overhauling your credit strategy.
Faster internal approvalsBuilt on familiar FICO® Score frameworks with FCRA-compliant processes, so risk and compliance teams can move quickly.
Approve more creditworthy borrowers
Unlock more approvals from existing applicantsCombine credit and cash flow data to identify creditworthy borrowers with a more precise view of ability to pay.
Stay ahead of the curveApprove the borrowers competitors are capturing today without overhauling your credit strategy.
Faster internal approvalsBuilt on familiar FICO® Score frameworks with FCRA-compliant processes, so risk and compliance teams can move quickly.
A better view of borrower risk
One score for credit and cash flowUse UltraFICO® Score to bring together bureau data and real-time cash flow insights in one unified risk assessment.
More precise pricing and loan decisionsUse cash flow data to better match pricing and loan amounts to borrower strength.
Insights beyond a snapshot Incorporate both historical and real-time cash flow data to better understand income, spending, and stability.
A better view of borrower risk
One score for credit and cash flowUse UltraFICO® Score to bring together bureau data and real-time cash flow insights in one unified risk assessment.
More precise pricing and loan decisionsUse cash flow data to better match pricing and loan amounts to borrower strength.
Insights beyond a snapshot Incorporate both historical and real-time cash flow data to better understand income, spending, and stability.
7%
Increase in approvals for thin-file and new-to-credit applicants without incremental risk
10 - 15%
Relative performance lift in key emerging segments vs traditional credit data alone
1 in 2
U.S. adults with bank accounts
use Plaid
Why Plaid?
Reach more borrowersAccess cash flow data from a network with ~1 million daily transactions, helping maximize match rates and decision coverage
Approve more applicantsGive customers a user-friendly experience that drives up to 80% conversion in lending flows
Reduce compliance overheadPlaid helps manage adverse action and disputes, with FCRA-compliant processes built in
Why Plaid?
Reach more borrowersAccess cash flow data from a network with ~1 million daily transactions, helping maximize match rates and decision coverage
Approve more applicantsGive customers a user-friendly experience that drives up to 80% conversion in lending flows
Reduce compliance overheadPlaid helps manage adverse action and disputes, with FCRA-compliant processes built in
Julie May
Vice President and General Manager of B2B Scores
