 TITLE: What Is UltraFICO and How Do I Use It? CONTENT: Who Benefits the Most From the UltraFICO™ Score?\n------------------------------------------------\nThe UltraFICO™ Score model has the potential to help improve the credit score of the majority of Americans. However, the people who may benefit the most from this scoring model include those with credit scores in the upper 500s to the lower 600s.\nThose with scores in this range fall short of many lenders' minimum credit score requirements, but the UltraFICO™ Score can make it less challenging to access credit with favorable terms if a borrower's overall financial habits are strong.\nIt can also benefit people who are relatively new to credit and have a limited credit history. These people often have to deal with the Catch-22 of not having access to good credit without a strong credit history, and having a tough time building their credit history without access to good credit.\nFinally, the UltraFICO™ Score can be a lifeline for people who have experienced financial distress in the past but are working to get back on their feet. That includes anyone who has experienced financial hardship stemming from unemployment, divorce, bankruptcy, medical bills and more. END