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HomeCredit Score TipsThe Death of FICO: How Algorithms See Your Cash Flow

The Death of FICO: How Algorithms See Your Cash Flow

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The traditional credit score is a 1989 invention struggling to survive in a 2026 economy. Today’s most aggressive lenders aren’t pulling a credit report; they’re pulling a data feed.

“Cash flow is the new credit score.”

We explore how Plaid, MX, and other data aggregators allow lenders to see your real-time ability to pay, making the 30-day-old FICO score obsolete.

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