FICO and Círculo de Crédito Bring World’s Leading Credit Scores to Mexican Lenders

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Scoring Solutions

MEXICO CITY—July 19, 2011—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that the fastest-growing credit information organization in Mexico, Círculo de Crédito, will offer FICO® Scores to its banking clients. Círculo de Crédito plans to begin delivering the industry-leading FICO® Scores (formerly known as Global FICO Scores) in 2011.

FICO® Scores will analyze the rich consumer credit data at Círculo de Crédito in order to provide a snapshot of each consumer’s credit risk. FICO developed the scoring models at Círculo de Crédito based on a thorough analysis of Mexican credit patterns and data supplied by Mexican lenders.

“FICO is the leader in credit risk management analytics and applications, not only in Mexico, but also in the rest of the world,” said Gustavo Lacroix, Círculo de Crédito CEO. ”Since we have an excellent reputation among Mexican financial institutions, it was only natural for us to select the leading provider to give our clients the sharpest risk assessment possible.”

FICO® Scores rank-order consumers by credit risk, and are used by thousands of lenders worldwide to make more consistent and reliable risk management, marketing and even collections decisions. Lenders can use FICO®® Scores to more confidently tailor their credit product offerings to the risk profile of individual consumers. In this way lenders can safely increase their market share, reduce their risk exposure, and improve their profits.

“FICO Scores have had a transformative effect on many lending markets, and we expect the same in Mexico,” said Greg Pelling, FICO’s vice president for Scores and Analytics. ”Our analytics, combined with Círculo de Crédito’s data, give lenders the opportunity to make smarter, faster credit decisions. By improving risk management and access to credit, FICO Scores at Círculo de Crédito will aid not only individual lenders, but their customers and the Mexican economy.”

“With FICO Scores, Círculo de Crédito will be able to add to the tremendous value they bring to their current and future clients,” explained Andreas Suma, FICO Senior Director for Latin America. “Partnering with Círculo de Crédito allows FICO to better serve the Mexican lending community throughout the entire consumer credit lifecycle, from marketing and originations to account management and collections. We are excited to serve more of the lending community in Mexico, where we already work with many lenders, including 8 of the top 10 banks.”

After six years of operations in Mexico, Círculo de Crédito enjoys a broad penetration in all credit segments, thanks to a comprehensive and reliable database, which can add great value to reduce clients´ exposure to credit risk. The company provides weekly, bi-weekly and monthly credit information, updated by more than 1,200 credit institutions throughout the Mexican territory. Today, Círculo de Crédito provides credit information on 60 million Mexicans, and processes more than 125 million credit transactions a year.

About the FICO® Score
With over 10 billion FICO® Scores used worldwide to empower lenders to make credit decisions, the FICO® Score has become the standard measure of credit risk worldwide. FICO® scores are used today in more than 20 countries on five continents as well as all of the top 50 U.S. financial institutions and both the 25 largest U.S. credit card issuers and auto lenders. The latest FICO® Score version, the FICO® 8 Score, has been adopted by more than 3,000 lenders since becoming available last year.

About FICO
FICO (NYSE:FICO) delivers superior predictive analytics solutions that drive smarter decisions. The company's groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO's innovative solutions include the industry-leading solutions for measuring credit risk, managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world's top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. FICO: Make every decision count(TM).

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, 2010 and its last quarterly report on Form 10-Q for the period ended March 31, 2011. 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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