It’s no secret that credit scores have a huge impact on your life and can help make things a lot easier, especially when your score is higher.

The UltraFICO credit score launched in January, and the plan is for it to be more broadly available halfway through the year. It could potentially boost scores for millions of people across the country. With this in place, FICO can also your checking, savings, and money markets to show lenders that you have savings and money to make loan and credit card payments.

Experian Boost will also be released in early 2019 and will allow lenders to review utility bill payments through online bank accounts.

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Image via Money Crashers.