The new UltraFICO credit score is scheduled to roll out as a pilot program in early 2019.

It’s an opt-in score that uses data about consumers’ banking behavior—the length of time their bank accounts have been open, the frequency of activity, and evidence of saving—in addition to their payment practices to calculate a score.

Experian, FICO, and Finicity estimate this new score has the potential to improve credit access for many Americans, and assert that it’s particularly relevant for those with current credit scores in the upper 500s to lower 600s. Consumers with limited credit history or those with previous financial distress also could benefit.

Learn more about the UltraFICO.