The updated UltraFICO score blends traditional credit information with Plaid’s transaction-level data from 12,000-plus institutions to give lenders a fuller financial picture. 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 credit score, is teaming up with Plaid to bring real-time data showing how much cash someone has on hand to lenders.