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28. März 2007
"Our alliance with Korea Credit Bureau opens a new chapter for lenders in the Republic of Korea who serve the consumer credit market," said Ron Totaro, vice president of Global Scoring at Fair Isaac. "Global FICO score provides a way for lenders throughout the country to quickly implement highly predictive risk assessment solutions. By gaining better control of risk, they also can speed up decision processes and increase their profits."
"Our member lenders founded the Korea Credit Bureau to improve the quality of credit data in this market by sharing both positive and negative data as advanced countries do," said Buhmsoo Choi, Ph.D. and senior vice president of the credit evaluation department at Korea Credit Bureau. "We expect that credit data of KCB will become more powerful by being combined with Fair Isaac's proven, world-class analytic science. By using Global FICO credit risk scores, it is anticipated that lenders will be able to more accurately determine a consumer's credit risk and can tailor their credit offerings to every risk profile."
Fair Isaac developed its Global FICO score technology using knowledge and experience it gained from analyzing a wide range of credit data over many years. By addressing a variety of predictive variables, the score technology accommodates a broad range of bureau configurations and available data.
Global FICO score may also assist lenders to meet their Basel II and other regulatory compliance requirements. The scores are complementary to custom application and behavior models, and can be used alongside internal scores at all stages in the credit lifecycle to improve decisions throughout the lending process, from marketing and account origination to full portfolio management.
About Korea Credit Bureau Korea Credit Bureau, which evaluates the creditworthiness of individual consumers in a comprehensive manner as a premier credit bureau in Korea, was established with the participation of 19 leading financial institutions as shareholders in the Republic of Korea. Unlike competing data providers, KCB, as the first-ever comprehensive credit bureau in Korea, is collecting not only negative data such as delinquency, but also a variety of positive data. KCB is aimed at consolidating the credit infrastructure of a society under the slogan of the "Common Asset of Korea Credit Business," and furthermore becoming the world-class "Best Practice CB." For more information, visit www.koreacb.com.
About Fair IsaacFair Isaac Corporation (NYSE:FIC) makes decisions smarter. The company's solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes, and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions per year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector.
Fair Isaac Statement Concerning Forward-Looking InformationExcept for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its Global 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 unforseen 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 for the year ended September 30, 2006, and quarterly report on Form 10-Q for the period ended December 31, 2006. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materializes 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.
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