New Version of FICO® Score Trends Service Gives Lenders Deeper Insight Into Credit Risk

MINNEAPOLIS – November 17, 2009 – As current market conditions increase portfolio volatility, lenders require a more acute understanding of their own risk levels – as well as how they compare to their peers – in order to manage portfolio growth profitably, prevent loss, and identify new areas of opportunity. To help lenders respond to these challenges, FICO (NYSE: FICO) today launched FICO^® Score Trends Service v2.0, a subscription service designed to help lenders assess risk in the banking, auto finance and mortgage industries.

Available now, FICO^® Score Trends Service v2.0:

• Aids lenders in their migration efforts to FICO^® 8 score, the most predictive FICO^® score to date, by adding the new FICO^® 8 score to prior FICO^® score data
• Gives lenders industry-specific insight through the inclusion of the FICO^® Bankcard Score, FICO^® Mortgage Score and FICO^® Auto Score
• Paints a more detailed picture of regional trends by adding state-level and standard MSA segmentations
• Allows lenders to review consumer performance by earlier and later stages of risk with the addition of 60+ day default and charge-off data to the existing 90+ day default information
• Provides a new report, the FICO Odds Shift Impact Report, that captures movement in bad rate or odds at a given score from prior time period to current, granting lenders a unique view into how scores are currently performing at particular score cutoffs

“Credit markets’ increased unpredictability and volatility in recent years has elevated portfolio risk for lenders in multiple industries,” said Robert Duque-Ribeiro, vice president and general manager of FICO Scoring. “With this latest version of FICO Score Trends Service, FICO is addressing our clients’ requests for greater insight and transparency by clearly showing how score-to-odds relationships have evolved across regions. Now, lenders can benchmark against industry and regional standards with more accuracy, plan migration to the new FICO 8 score and formulate lending strategies that ultimately improve the bottom line.”

FICO^® Score Trend Service v2.0 is available as a subscription software package with the ability to produce over 15,000 credit risk reports from a massive store of consumer credit information. With underlying data updated semi-annually, the service provides lenders recent and relevant information to apply to their business models.

With the addition of FICO^® 8 to the new FICO^® Score Trends Service, lenders will find it easier to make the transition to FICO^® 8, which provides up to twice the improvement in predictive power and is now available at all three major credit reporting agencies. This improvement will increase the ability of lenders to reduce losses within current portfolios and to acquire more profitable new customers. Since early this year, when the FICO^® 8 score first became available, over 500 lenders have begun using or testing FICO^® 8 scores, including five of the seven largest U.S. banks and four of the five largest credit card issuers.

About FICO
FICO (NYSE:FICO) 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 www.myFICO.com website.

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, and its quarterly report on Form 10-Q for the period ended June 30, 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.

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