Consumers with less-than-stellar or borderline credit scores may soon have a new option to help them qualify for loans and credit cards.

Fair Isaac Corporation, creator of the widely used FICO credit score, said it would test a new score that considers a borrower’s bank account balances and cash management behavior as a supplement to a traditional credit score.

The new score, UltraFico, will be tested early next year with Experian, one of the three big credit reporting bureaus, and offered as an option to consumers whose traditional credit score alone would not qualify them for a loan.

People who already have strong credit scores shouldn’t need to consider UltraFico. “It would most likely be used as a second chance,” said Sally Taylor-Shoff, scores vice president at FICO.