NBKI Now Provides FICO Credit Score to Russian Lenders

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(Moscow, Russia and Minneapolis, Minnesota, USA) - National Bureau of Credit Histories (NBKI), the premier credit bureau in Russia, and Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, today announced the immediate availability to Russian lenders of the FICO® Score from NBKI. The quality of NBKI credit data enabled Fair Isaac analysts to accelerate their configuration of the FICO® Score for the Russian market in order to meet lenders' growing demand for predictive analytics that assess consumer credit risk with a high degree of precision.

"The FICO Score produced at NBKI is important for Russian banks and consumers because it makes the credit bureau data much more usable with other internal bank systems and scores. This objective new measure gives banks a much more accurate view of a consumer's ability to repay credit. The new FICO Score means that banks can now give access to credit to consumers who would in the past have been declined credit while better identifying risky consumers who are likely to be unable to repay credit," said Alexander Klychkov, President of NBKI .

"The quality of NBKI's credit data and the flexible design of our FICO scoring model enabled us to customize this highly predictive score in three months for the evolving Russian market," said Tom Quinn, Vice President of Global Scoring for Fair Isaac. "Lenders throughout Russia now have access to the same premier FICO score for measuring credit risk that has become the industry standard in other national economies."

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 penetration of the market, reduce their risk exposure, and improve their profits in a controlled and customizable manner. The score is complementary to custom application and behavior models and can be used alongside internal scores at all stages in the credit lifecycle.

About NBKI
National Bureau of Credit Histories, OJSC, was established by leading Russian banks and is known as a leader in the Russian credit information market. NBKI is significantly more successful than all other Russian credit bureaus with the largest number of partner banks and the largest number of credit reports issued. NBKI also has the highest hit-rate for Russian bureaus with over 60% of reports returned with a history. One third of all Russian credit histories are stored at NBKI. Learn more about NBKI at www.nbki.ru.

About Fair Isaac
Fair Isaac Corporation (NYSE:FIC) transforms business by making every decision count. Fair Isaac'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 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/A for the year ended September 30, 2007, and its last quarterly report on Form 10-Q for the period ended June 30, 2008. 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, Russia, and 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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