Fair Isaac and TransUnion are working on rolling out new credit scores, tackling the 26 million "credit invisible" individuals that do not have enough history to generate a FICO score. Although the goal is to help underserved potential borrowers gain access to capital, there is also a risk that all the additional information will worsen a persons credit profile. It will be interesting to see how these companies will collect and analyze all the various data points, ranging from banking account history to home addresses.