Advanced FICO Analytics Incorporated into Experian’s Mortgage-Backed Securities Solution

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MINNEAPOLIS—October 4, 2010—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that Experian® Capital Markets is adding, as an option, the most advanced FICO® credit score to its CreditHorizonsSM for Securities solution. Sellers and investors of mortgage-backed securities use Experian’s CreditHorizons for Securities to surmount the limitations of loan-level data when analyzing credit risk in mortgage-backed securities. The addition of the FICO Score, branded by Experian® as the Experian/FICO Risk Model, will give RMBS managers, marketers and investors deeper insights for evaluating creditworthiness of the underlying mortgages in non-agency loan pools.

CreditHorizons for Securities is used to improve pricing strategies on the sell side while helping buyers make investment decisions with greater confidence and improve risk management. The FICO Score brings an added dimension of predictive power, enabling users to better assess risks of delinquencies and defaults from securitized mortgages.

Investors benefit from using fresh FICO scores instead of scores calculated when loans were originated, since recently reported changes in borrowers’ credit behavior will likely change their credit risk.

”FICO is the dominant provider of credit scoring solutions to the mortgage industry,” said Jordan Graham, executive vice president of Scores at FICO. “As an extension of this position, we are excited to offer more comprehensive solutions to support the needs of the secondary market and securitization process for US mortgages. We believe this combination of Experian Capital Markets and FICO solutions will increase investor confidence and make for a more efficiently functioning market.”

About FICO
FICO (NYSE:FICO) transforms business by making every decision count. FICO’s Decision Management solutions combine trusted advice, world-class analytics and innovative applications to give organizations the power to automate, improve and connect decisions across their business. Clients in 80 countries work with FICO to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. FICO also helps millions of individuals manage their credit health through the www.myFICO.com website.

Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business 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 the success of the Company’s Decision Management strategy and reengineering initiative, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2009 and its last quarterly report on Form 10-Q for the period ended June 30, 2010. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.

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