New UltraFICO Credit Score Factors in How You Manage Cash

You pay your rent on time every month, keep your savings account padded with at least a few hundred bucks, and don't overdraw your checking account. While these are all responsible money management habits, they haven't actually been helping you build your credit-but that could change soon. FICO, which is the most widely used credit score, announced that beginning in 2019, it will test a new model that takes consumer's money management skills into consideration alongside credit responsibility.