Ultra FICO

Today your credit score determines how much you’ll pay for insurance, a mortgage, rent, a car loan, and more. And FICO is one of the main scoring systems used. 
Consumers with low credit scores may soon be able to raise their number under a new scoring system that measures how responsibly they manage their checking or savings accounts—not just their payment history. The new score, called Ultra FICO, should become available in the summer of 2019.
 Consumers will have to opt in. If they do, data about their banking behavior—including the length of time their bank accounts have been open, the frequency of activity, and evidence of saving—in addition to their timely payment practices, will be used to calculate a score. The company says, by figuring credit scores this way, the range of people who qualify for credit could grow. 
This is really geared for someone with a low score if you already have a good credit score this Ultra FICO would be of no benefit to you. 
A policy analyst for Consumers Union says while incorporating bank transaction data into credit scores could help some consumers raise their credit scores, consumers should exercise caution before opting into this program, and government regulators should keep a close eye on its implementation.