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  "path": "/2026/05/ultrafico/",
  "publishedAt": "2026-05-20T12:54:25.000Z",
  "site": "https://nerds.xyz",
  "tags": [
    "Fintech",
    "banking",
    "credit score",
    "FICO",
    "fintech",
    "open banking",
    "personal finance",
    "Plaid",
    "privacy",
    "UltraFICO"
  ],
  "textContent": "FICO’s new UltraFICO Score goes beyond traditional credit reports by analyzing consumer bank account activity through Plaid. The system could help some borrowers, but it also raises serious privacy questions.",
  "title": "UltraFICO wants your bank account data to reshape your credit score"
}