Fair Isaac and TransUnion Enhance FICO Risk Score in Canada

(Toronto, Canada and Minneapolis, Minnesota, USA) - TransUnion and Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, today announced the availability to Canadian lenders of the newest FICO Risk Score (formerly known as Empirica) for precise management of consumer credit risk. The FICO Risk Score analyzes TransUnion credit reports to rank-order consumers according to the likelihood that their credit obligations will be paid as expected.

In this redevelopment of its FICO scoring model for Canada, Fair Isaac analyzed annonimized consumer credit information from TransUnion to significantly enhance the model's ability to identify high-risk consumers, particularly among new-account populations and among people who have a history of serious credit problems.

"Our newest FICO scoring model at TransUnion is significantly more powerful due to the analysis of a greater amount of information, resulting in the ability to better differentiate the credit performance of Canadian consumers," said Ron Totaro, vice president of Global Scoring at Fair Isaac. "By studying large anonymous samples of TransUnion's credit history data, we found that consumers are opening more credit lines, carrying higher balances, and generally using credit to a greater degree than ever before. This increased usage has produced thicker, deeper credit histories which in turn produced more precise patterns that have helped us pinpoint credit risk characteristics and behaviors for the general population."

"Lenders and other businesses have a greater need today to maximize and leverage massive amounts of data for risk management," said TransUnion's Derrick Breau, vice president of sales and marketing. "The FICO Risk Score and TransUnion credit reports offer lenders valuable insight into the credit history and future risk of prospects, new applicants and current customers. Using our tools, lenders can better manage or even expand their customer base while managing their risk. In future, we anticipate even better tools based on an expanded consumer database once mortgage data is broadly reported."

The new FICO Risk Score also enhances an important protection for consumers who shop at several lenders to find the best mortgage or auto loan. Previously, the FICO scoring model provided an inquiry filter for consumers who shopped for a loan, treating multiple credit inquiries in any 14-day period as a single search for credit. The new scoring model extends the inquiry filter for this shopping to 45 days. Accordingly, during any 45-day period all mortgage-related or auto loan-related lender inquiries on the consumer's TransUnion credit report are treated by the redeveloped FICO scoring model as a single mortgage or auto inquiry. Consumers benefit because they can shop for the best loan without worry that multiple lender inquiries will significantly affect their future FICO Risk Scores.

For years, TransUnion has provided the FICO Risk Score to lenders in the Canadian marketplace. This has allowed banks to not only specialize in credit products and make loans outside their customer base, but it has also spurred the growth of new markets and helped regulators ensure fair lending and equal consumer access to capital.

About TransUnion 
TransUnion is a global leader in credit and information management. The company creates advantages for millions of people around the world by gathering, analyzing and delivering information - all while protecting individual security and privacy. For businesses, TransUnion helps improve efficiency, manage risk, reduce costs and increase revenue by delivering vast, current data, analytics and decisioning. For consumers, TransUnion provides the tools, resources and education to help manage their credit health and achieve their financial goals. Through these and other efforts, TransUnion is working to build stronger economies worldwide. Founded in 1968 and headquartered in Chicago, TransUnion employs more than 4,000 employees in more than 30 countries on six continents.

In Canada, TransUnion is a leading provider of credit management solutions, including credit reports, credit scores and fraud services. The company's offerings are tailored to meet both the decisioning demands of Canadian businesses and the credit management needs of Canadian consumers. Local service and support is provided in the greater metropolitan areas of: Calgary, Charlottetown, Dartmouth, Edmonton, Moncton, Montreal, Rimouski, Saskatoon, St. John's, Toronto, Vancouver and Quebec City. Visit www.transunion.ca for more details.

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 organizations 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 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, 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 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.

Fair Isaac and FICO are trademarks or registered trademarks of Fair Isaac Corporation, in the United States and/or in other countries. TransUnion and Empirica are trademarks or registered trademarks of TransUnion LLC, 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.