FICO and Buró de Crédito to Bring FICO Credit Capacity Index to Banks in Mexico

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MINNEAPOLIS—April 28, 2010—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced a partnership with Mexico’s largest credit bureau, Buró de Crédito (TransUnion de Mexico SA), to deliver FICO® Credit Capacity Index™ to Mexican lenders for the first time. FICO Credit Capacity Index is the innovative, forward-looking risk management tool that rank-orders consumers based on their ability to take on future debt.

FICO Credit Capacity Index provides a more effective means of predicting a consumer's ability to handle additional debt than do traditional income-based measures. Using the rich positive and negative credit bureau data available from Buró de Crédito, the FICO Credit Capacity Index will improve the ability of lenders to differentiate among consumers who present identical repayment risk on their current obligations but vary in their capacity to assume new debt or incremental credit balances. Additionally, while helping lenders to uphold the most effective lending practices, FICO Credit Capacity Index helps protect consumers from becoming overextended.

“Intense competition, increasing regulatory scrutiny and challenging economic conditions are compelling lenders to use more accurate decisioning tools,” said Robert Duque-Ribeiro, vice president and general manager of Scores for FICO. "That's why lenders are looking for better ways to assess consumer capacity, instead of using difficult-to-verify income approximations and loan-to-value ratios for that purpose. FICO Consumer Credit Index will give banks doing business in Mexico the means to better manage their risk exposure and improve portfolio quality.”

FICO has relationships with a growing number of consumer credit bureaus outside the U.S., and Buró de Crédito will become one of the first to make FICO Credit Capacity Index widely and easily available to all lenders in its market. FICO has tailored the Index specifically for Mexican lenders and has tested it on lender portfolios prior to its implementation at Buró de Crédito. Lenders will be able to obtain the Index through their established data feeds from Buró de Crédito and use it alongside existing risk scores in their decision strategies.

About FICO
FICO (NYSE:FICO) is the leader in analytics and decision management technology, transforming business by making every decision count. FICO combines trusted advice, world-class analytics, and innovative applications to help businesses automate, improve, and connect decisions over customer lifecycles and across the enterprise. Clients in 80 countries work with FICO to increase customer loyalty and profitability, reduce 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 its consumer website,

About Buro de Credito
Buro is Mexico´s largest credit bureau. With over 14 years experience in Mexico, Buro provides its customers with thorough credit related information on individuals and corporations. Most of the country’s lenders and service providers rely on Buro´s data base to better manage their credit relationships from credit origination through follow up and collection of accounts in their portfolio, allowing for measured credit risk, reduction in losses and better customer knowledge. It also provides consumers at large with products designed to assist them in managing an adequate credit profile. To learn more about Buro go to

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 plan, 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 December 31, 2009. 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.

FICO, Credit Capacity Index and Fair Isaac are trademarks or registered trademarks of Fair Isaac Corporation 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.

Media contacts


Katie O’Connell
+1 510-621-9832

Europe, Middle East & Africa

Darcy Sullivan
+44 (0) 7808-777-339

Asia Pacific

Saxon Shirley
+65 6422-7795

Latin America

Marisa Arribas
+1 786 482 7231

América Latina

Milla Delfino
+55 11 97673-6583

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