# New UltraFICO Scores **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [October 23, 2018, 4:50pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725 "2018-10-23T16:50:41Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [October 23, 2018, 4:50pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/1 "2018-10-23T16:50:41Z")
Get ready for more McLarens at Cars & Coffee: > With the UltraFICO™ Score, consumers are empowered to contribute their checking, savings or money market account data to be leveraged by the score, providing an unprecedented and broader view for lenders to assess credit worthiness. > **[UltraFICO® Score](https://www.fico.com/en/products/ultrafico-score)** > > The consumer-powered score. See where it can take your business. Not a bad idea really, but I’m sure some millennials have their parents maintaining their checking & savings accounts. ---
**Author:** ![ubengineering](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ubengineering/32/5171_2.png) [@ubengineering](https://forums.speedlife.net/u/ubengineering)\ **Post date:** [October 23, 2018, 6:20pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/2 "2018-10-23T18:20:55Z")
lmao at your comment, I’d be down for an ultra score EDIT: But if your score is near perfect or even above an 800, would this even be beneficial? ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [October 31, 2018, 12:29pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/3 "2018-10-31T12:29:24Z")
This is a really horrible idea ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [October 31, 2018, 2:05pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/4 "2018-10-31T14:05:00Z")
I have heard financial people say, “If your credit score is really high like above 725 it is as high as it ever needs to be.” I guess maintaining my 840 is a waste of effort. lol ---
**Author:** ![maxwell](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/maxwell/32/6524_2.png) [@maxwell](https://forums.speedlife.net/u/maxwell)\ **Post date:** [October 31, 2018, 2:17pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/5 "2018-10-31T14:17:31Z")
What exactly goes into ‘maintaining’ a score. I manage my money well, pay down debt on time and that’s about it. I checked the other day for an pre-auth on an auto loan, mid 800’s. :shrug: ---
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [October 31, 2018, 2:24pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/6 "2018-10-31T14:24:25Z")
> [@Blue\_Eyed\_Devil](#): > > I guess maintaining my 840 is a waste of effort. lol In my experience, anything over 720 was great but didn’t get you anything else. Thing may have changed since then though. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [November 1, 2018, 2:37pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/7 "2018-11-01T14:37:43Z")
Giving some unregulated industry more info about you that they ship off/sell/do whatever with…Also they all this with pretty much no say from you. ---
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [November 1, 2018, 2:39pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/8 "2018-11-01T14:39:44Z")
I read a comment the other day that this was more about getting FICO into China since China doesn’t have credit scores, but they do have bank records, etc. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [November 1, 2018, 2:43pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/9 "2018-11-01T14:43:23Z")
China doesn’t need FICO anyways they build profiles off all the people who live there including banking/social media/etc ---
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [November 1, 2018, 3:11pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/10 "2018-11-01T15:11:39Z")
Oh yeah, that social credit stuff is crazy. My point wasn’t that China needs FICO, but that FICO needs China; they’re trying to bring their services there. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [November 1, 2018, 3:17pm UTC](https://forums.speedlife.net/t/new-ultrafico-scores/1413725/11 "2018-11-01T15:17:46Z")
So if you post online that to hate Hillary your interest rates will increase? 🙂