 TITLE: What Is UltraFICO and How Do I Use It? CONTENT: How Does UltraFICO™ Work?\n-------------------------\nThe UltraFICO™ Score began a pilot program in 2019 under a partnership between FICO®, Experian and Finicity. The credit scoring model adds a new dimension to the process of determining credit risk: how you manage your money.\nWith the UltraFICO™ Score, you grant permission for Finicity to review data from your checking, savings and money market accounts if you've applied for a loan and been denied.\nFactors include:\n*   How long your accounts have been open\n*   The frequency and recency of your bank account transactions\n*   Evidence of cash on hand\n*   A history of positive account balances\nFICO® then takes this information, along with your Experian credit file, to provide you with your UltraFICO™ Score.\nIn other words, the UltraFICO™ Score builds on the foundation of the base FICO® Score☉ —including factors like your payment history, how much you owe, your length of credit history, credit mix and recent inquiries—then it adds data from your bank accounts to provide a more well-rounded view of your financial behavior. END