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July 24, 2006
Global FICO® score applies Fair Isaac's industry-standard FICO® credit risk scoring technology to rank-order consumers according to their credit risk. Designed to be consistently scaled across credit bureaus and across national borders, Global FICO® score utilizes Fair Isaac's leading-edge technology to enable rapid deployment in any country with credit bureau data.
Around the Pacific Rim, lenders are now using Global FICO score in South Korea, Singapore, Taiwan and Thailand. In Europe and the Middle East, Fair Isaac's score is being used in Poland, Saudi Arabia, Sweden and Turkey. In Latin America, lenders in Mexico, Jamaica and Panama have added Global FICO score to their risk management operations. Also, the score is currently being evaluated by a growing number of institutions across Europe, Asia-Pacific and Latin America. Credit reporting bureaus in three countries - Singapore, Jamaica and South Korea - have added Global FICO score to their product lines as their premier credit risk score.
"Global FICO score has enjoyed strong demand from day one," said Ron Totaro, vice president of Global Scoring Solutions at Fair Isaac. "Lending organizations and credit bureaus in both emerging and established credit markets have found that our proven scoring technology significantly improves lenders' ability to manage the trade-off between credit risk and greater profits, enabling more precise management of their business volumes, delinquencies and bad debt. As a result, we have had to repeatedly expand our implementation teams worldwide to keep up with demand."
For lenders who serve small- and medium-sized enterprises (SME), Fair Isaac recently began offering Global FICO® SME score. This newest member of Fair Isaac's FICO scoring family of products combines the important data pertaining to the creditworthiness of the individual or individuals who own and manage the SME business with key characteristics about the business itself, to produce a powerful and predictive risk score that can contribute significantly to a lender's ability to manage credit risk and expand the bottom line. The new score has already been adopted by a major lender in Turkey, and the company has received strong interest from other lenders in Europe and around the Pacific Rim.
Global FICO score and Global FICO SME score are available to lenders and credit bureaus in any country where robust credit bureau data is available, except in the United States, Canada, United Kingdom and South Africa, where Fair Isaac credit risk scores are already available.
About Fair IsaacFair Isaac (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 also helps millions of individuals manage their credit health through the www.myfico.com website.
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 product offering, and the benefits to be derived from this product 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, 2005, and its quarterly report on Form 10-Q for the period ended March 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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