Callcredit and Fair Isaac Introduce Next Generation of Credit Risk Scoring for U.K. Lenders

Credit reference agency Callcredit and Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, announce the launch of CallScore 2.0, a powerful, next-generation suite of credit risk scores.

CallScore 2 has been developed exclusively for Callcredit by Fair Isaac and takes full advantage of analytical techniques in Fair Isaac's industry-proven FICO^® scoring technology. Utilising the availability of new data sets, it delivers significantly more predictive power than its predecessor, CallScore, which is already matching or exceeding the performance of rival scoring models.

Graham Lund, Deputy Managing Director of Callcredit, said: "We are extremely confident in the performance of CallScore 2 and, to demonstrate this, we would be delighted to arrange 'retro' tests for any potential user. All they have to do is supply us with a suitable historical sample of credit applicants' details along with a measure of their performance. We can then retrospectively score the sample and provide results that will demonstrate the benefits that CallScore can provide."

CallScore 2 combines Fair Isaac's proven, market-leading analytical capabilities with the diversity and richness of Callcredit's data. In particular, it harnesses the predictive power of Callcredit's unique time series data on credit balances, limits and monthly repayments, as well as innovative geo-demographic data from its Cameo and GeoRisk suites.

CallScore 2 features separate scorecard suites to support account opening and account management decisions. Using Fair Isaac's multiple scorecard technology to maximise risk prediction accuracy across a wide range of market areas, CallScore 2 also segments the market according to the quantity and quality of data returned on individuals, for example 'thin', 'clean' and 'adverse'. As a result, CallScore 2 comprises many empirically derived scoring models. Variants of each model are available which take into account the data access rights of the user - full SHARE, partial SHARE and public data only.

Brian Cooper, Scoring Solutions Director for Fair Isaac, said: "CallScore 2 is the only credit risk score in the UK market that is powered by Fair Isaac's FICO^® scoring technology. The enhancements we have built into CallScore 2 provide lenders with unprecedented predictive power for highly accurate and consistent credit decisions. For lenders, the outcome is better control of risk, enabling them to profitably grow their markets without introducing new risk. We look forward to collaborating with Callcredit in future to bring additional analytic and decision-enhancing solutions to market."

Unlike other UK systems, CallScore 2 is available online as an on-demand service - available 24/7. Also, CallScore 2 calculates scores in real time and delivers a score for each applicant/customer. In the case of joint credit applications, two scores are delivered, giving users the flexibility to base their lending decision on just one of the scores or a combination of the two - depending on their risk strategy.

CallScore 2 also scrutinises the consumer's existing debt levels more thoroughly, which enables lenders to support responsible lending practices.

CallScore 2 is designed to maximise the use of eligible data under the revised Third Party Data Protection rules, enabling lenders to easily make use of Alert Decision and Household Override scores, when appropriate.

About Callcredit
Callcredit (www.callcredit.co.uk) is the UK's most technologically advanced credit reference agency, providing the market with a comprehensive range of consumer credit information services. Callcredit has harnessed state-of-the-art information technology with an unrivalled knowledge of the credit industry's needs to develop a range of innovative information solutions. Solutions that are enabling major lenders and a host of other blue chip companies to make better credit decisions, target new customers more effectively and manage existing customers more profitably. Callcredit is a subsidiary of Skipton Building Society (www.skipton.co.uk), one of the top ten largest building societies in the UK, and forms part of the Skipton Information Group, together with database management company EuroDirect and market analysis firm GMAP Consulting.

About Fair Isaac
Fair Isaac Corporation (NYSE:FIC) combines trusted advice, world-class analytics and innovative applications to help businesses make smarter decisions. Fair Isaac's solutions and technologies for Enterprise Decision Management turn strategy into action and elevate business performance by giving businesses the power to automate more decisions, improve the quality of their decisions, and connect decisions across their business. Clients in 80 countries work with Fair Isaac to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share.

Fair Isaac Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its FICO^® score, and the relationship described herein, and the benefits to be derived from the offering, are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including any unforeseen technical difficulties related to the implementation, use and functionality of the offering, the risks that customers will not perceive material benefits from the offering, failure of the product to deliver the expected results, the possibility of errors or defects in the offering, regulatory changes applicable to the use of consumer credit and other data, and other risks described from time to time in Fair Isaac's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2006, and quarterly report on Form 10-Q for the period ended March 31, 2007. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materialises or any of these assumptions proves incorrect, Fair Isaac's results could differ materially from Fair Isaac's expectations in these statements. Fair Isaac disclaims any intent or obligation to update these forward-looking statements.

Fair Isaac and FICO are trademarks or registered trademarks of Fair Isaac Corporation, in the United States and/or in other countries. Other product and company names herein may be trademarks or registered trademarks of their respective owners.