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19 de octubre de 2006
Global FICO® score applies Fair Isaac's world-leading risk scoring technology to rank-order consumers according to their credit risk. Designed to be consistently scaled across credit bureaus and across national borders, Global FICO® score has established the global standard for consumer credit risk assessment. The Fair Isaac technology underlying the Global FICO® scoring model enables quick deployment in any country that has robust credit bureau data.
"ICB is delighted to add Fair Isaac as a strategic partner," said Séamus Ó Tighearnaigh, CEO of Irish Credit Bureau Limited. "We look forward to working with them in the provision of their renowned Global FICO score to our ICB members."
"By offering the same advanced analytic technology that has long fueled the U.S. credit industry, the Irish Credit Bureau is helping lenders throughout Ireland to quickly implement proven, highly predictive solutions for risk assessment," said Ron Totaro, vice president of Global Scoring at Fair Isaac. "Lenders of all types will find that using Global FICO® score opens their doors to new opportunities for producing significantly higher volumes while confidently controlling credit risk."
Fair Isaac developed the Global FICO® score using knowledge and experience it has gained from analyzing credit bureau data for more than 20 years. By addressing a broad range of predictive variables, this scoring technology addresses a wide variety of bureau configurations and available data. The scores are complementary to custom application and behavior models, and can be used alongside internal scores to improve decisions at all stages in the credit lifecycle. Lenders also use Global FICO® score to help them meet Basel II and other regulatory compliance requirements.
Consumers benefit when lenders use Global FICO® scores because the score provides an objective and impartial assessment of the credit risk of applicants and existing account holders. Since Global FICO® score considers all reported credit obligations, it provides lenders with a robust risk assessment tool that complements their current decision-support technology.
About Irish Credit Bureau Based in Dublin, the Irish Credit Bureau (ICB) is the premier provider of data and credit bureau solutions to banks and lenders in the Irish Republic. It is privately owned by its members. ICB seeks to assist in the lowering of the cost of credit, to enable faster decisions in providing credit, to aid the avoidance of over indebtedness, and to assist with fraud prevention. ICB complies fully with the Council of Europe Convention on Data Protection and the subsequent 1988 and 2003 Data Protection Acts. For more information please go to www.icb.ie.
About Fair IsaacFair Isaac Corporation (NYSE:FIC) makes decisions smarter. The company's solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes, and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions per year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector.
Fair Isaac Statement Concerning Forward-Looking InformationExcept for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its Global 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 for the year ended September 30, 2005, and quarterly report on Form 10-Q for the period ended June 30, 2006. 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.
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