FICO Launches “FICO Score Trends” for Lenders

Customer Success
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March 12, 2008 (Minneapolis, Minnesota, USA) — At a time when economic instability is creating unknown risk in lenders’ credit portfolios, FICO (NYSE: FIC), the leading provider of analytics and decision management technology, today announced the launch of a new subscription service for businesses, FICO® Score Trends. For the first time, lenders will be able to access and drill down into industry FICO® score trends, indexed by a range of criteria such as industry, geography and time period, to regularly analyze their own portfolios and improve their risk management and forecasting.

Until now, regular access to trend information for FICO® Scores has been available only by custom arrangement. Now any lender can routinely compare the regional and national score trends they observe in their own portfolios against detailed macro level trends and benchmarks provided in FICO® Score Trends. With this added insight, lenders will be better able to anticipate and prepare for potential risks and losses, as well as identify areas of opportunity and refine their business strategies.

“Lenders have long wanted access to FICO score trend information over time, at both national and state levels,” said Lisa Nelson, vice president of Global Scoring for FICO. “Now lenders have a new dimension for managing credit risk with greater precision.

The granular detail available in FICO Score Trends can help lenders better understand the subtle patterns in customer credit risk and behavior, enabling more refined strategies in segmentation, portfolio management, and securitization valuation. Bottom line, these insights can lead to reduced risk and improved profitability.”

FICO® Score Trends will be available starting March 12, 2009. To request a subscription or for more information, please contact

About FICO
FICO (NYSE:FIC) 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 website. Learn more about FICO at

FICO 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, 2008. 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, Fair Isaac, and 300-850 are trademarks or registered trademarks of FICO, 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.

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