For consumers who are heavy on savings and light on credit history, a new partnership in the world of credit scores could help them lock down a loan. FICO, the company basically synonymous with the ...

The enhanced UltraFICO score solution uses Plaid's systems to accept and analyze real-time cash-flow data, or information about the money moving in and out of a consumer's financial accounts. Older ...

Fannie Mae no longer requires borrowers to have a 620 minimum credit score if the loan is processed through its Desktop Underwriter system. As of Nov. 16, 2025, it joined Freddie Mac, which made a ...

Building on FICO's trailblazing work in cash flow scoring with the initial release of the UltraFICO® Score, this collaboration with Plaid—whose market-leading infrastructure enables ...

Jessica Gibson is a content update editor and writer for Investopedia. She has over 10 years of experience in digital publishing and three years of experience covering financial topics like insurance, ...