Die FICO-Datenschutz-Regeln erläutern die Erfassung und Verwendung von Cookies durch FICO. Cookies helfen uns, Ihre Einstellungen zu speichern, um Ihnen eine bessere Benutzererfahrung zu bieten, die Leistung der Website zu bewerten, zu überwachen und zu verbessern und unseren Partnern zu ermöglichen, bei Ihnen Werbungen zu schalten. Sie können die Cookies deaktivieren, indem Sie die Einstellungen in Ihrem Browser ändern, und Sie können uns anweisen, Cookie-Daten nicht an Dritte weiterzugeben. Mit der Nutzung dieser Website stimmen Sie der Verwendung von Cookies wie in den FICO-Datenschutz-Regeln beschrieben zu.
5. November 2006
Among the study's participants were more than a dozen of the largest lenders from the credit card, auto finance and mortgage industries. By industry, some of the participants included:
"Industry results clearly show that FICO Expansion score enables U.S. lenders to confidently assess the credit risk of nearly 50 million Americans who have little or no credit information on file at the major credit reporting agencies," said Ron Totaro, vice president of Global Scoring Solutions for Fair Isaac. "This study demonstrates that FICO Expansion score delivers the same caliber of highly predictive, objective risk evaluation for these credit-underserved consumers that businesses have come to expect from all our FICO scores."
FICO Expansion score taps non-traditional sources of consumer data not found at the national credit reporting agencies in order to assess the credit risk of adults who have minimal or no credit history on file. By using FICO Expansion score for these consumers - who include recent immigrants and young adults - businesses can make more financial services available to more people who have missed out on opportunities simply because they lack a traditional credit history.
In perhaps the most comprehensive retrospective analysis ever undertaken on a credit risk scoring model, leading lenders found that FICO Expansion score:
"These validation results clearly impressed participating lenders, particularly in the score's proven ability to objectively and consistently rank-order consumers by their likelihood to repay a debt," said Lisa Nelson, vice president of product management for Fair Isaac. "Equally as important, the confirmation that FICO Expansion score aligns with Classic FICO score means that lenders can quickly and confidently incorporate FICO Expansion score into their current credit decisioning strategies."
FICO Expansion score is available today directly from Fair Isaac Credit Services, Inc. and a variety of leading resellers and distributors of credit risk scores. Information about FICO Expansion score is available through Fair Isaac's business and consumer portal web site at www.myFICO.com/Business.
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 FICO® Expansion™ score and Classic FICO® score, 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 on Form 10-K for the year ended September 30, 2005, and quarterly report on Form 10-Q for the period ended September 30, 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.
Europa, Naher Osten und Afrika
+44 (0) 209-940-8719
+1 786 482 7231
+55 11 5189-8258