myFICO Introduces the Only Consolidated Report of FICO Scores and Credit Histories Across All Three Credit Bureaus

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SAN JOSE, Calif. —September 16, 2013 — Amid a recovering U.S. economy, rising interest rates and stricter credit guidelines, people who understand their credit and manage their complete financial picture wisely are at a distinct advantage. Today they have a valuable new comparison tool — for the first time ever, consumers can make side-by-side comparisons of their FICO® Scores and credit reports from all three U.S. credit bureaus with the FICO Score® 3-Report View, available exclusively at, the consumer division of FICO (NYSE:FICO).

Since lenders may pull information from any combination of the three credit bureaus, individuals can use FICO® Score 3-Report View to identify meaningful differences that may be impacting their FICO® Score, and preventing them from getting the best interest rates available.

“As the credit score used in 90 percent of lending decisions in the United States, the FICO Score is the credit score people need to know,” said Geoff Smith, vice president of myFICO. “Now with FICO Score 3-Report View, consumers can see their FICO Scores and credit reports from all three credit bureaus in one single side-by-side comparison report, only at”

FICO® Score 3-Report View provides a complete snapshot of an individual’s credit picture. Consumers can compare their three FICO® Scores and credit reports at a glance, in a single statement, and more easily see potential discrepancies in their credit information at each of the three credit bureaus. Such information may impact a consumer’s FICO Scores, which in turn can affect the interest rates they may qualify for and the terms a lender would offer them. Correcting this information can potentially help them get the best interest rates available to them, thus saving money over the term of their loan.

“Forewarned is forearmed, especially when it comes to your credit background,” said Linda Sherry, director of national priorities at Consumer Action, the national education and advocacy organization. “It’s worth the cost to check your credit score before applying for new credit, and having all three scores in one package — as many lenders have access to — makes it easy and convenient to compare what’s on file at each of the major credit bureaus.”

“When a lender is making a credit decision, they often review a consumer’s FICO Scores and credit bureau reports from two or all three bureaus,” notes Smith. “FICO Score 3-Report View gives the consumer a 360-degree view of their credit status, so they are well-prepared no matter which bureau the lender is using.” With the introduction of FICO Score 3-Report View, myFICO continues to give consumers the information they need to understand and better manage their financial health.

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 U.S. consumer credit risk. 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. Ninety percent of credit scores purchased by lenders are FICO Scores according to Tower Group.

About FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 80+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption — such as the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health.

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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, 2012 and its last quarterly report on Form 10-Q for the period ended June 30, 2013. 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 and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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