Fair Isaac Corp., the company that created the FICO credit score, has unveiled a new scoring system, UltraFICO (in partnership with Experian) that includes consumers' checking and saving account information. FICO says seven out of 10 consumers who opt into the program and have an average savings of $400 – with no negative balances in the past three months – will see an increase in their score with UltraFICO. For these new scoring models to succeed, lenders will need to use them, something they are expected to do.