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9 de agosto de 2007
(Minneapolis, Minnesota, USA) - Fair Isaac Corporation (NYSE:FIC) today announced the introduction of its newest FICO credit score for Canadian lenders, available from Equifax Canada as BEACON 5.0. Calculated with Fair Isaac's updated and enhanced FICO scoring model, the new score offers lenders an improved tool to manage credit risk by ranking consumers according to the likelihood that their credit obligations will be paid as expected.
"By studying large samples of Equifax Canada's credit reports, we found that consumers are opening more credit lines, carrying higher balances, and generally using credit to a greater degree than ever before," said Ron Totaro, vice president of Global Scoring at Fair Isaac. "This richer data has helped Fair Isaac scientists to produce a more powerful credit risk score, particularly when applied to new-account populations and people who have a history of serious credit problems. It also prompted Fair Isaac to expand a key consumer benefit already built into the prior FICO scoring model which protects consumers who shop among several lenders for the best auto loan or mortgage. As a result, lenders and consumers both will benefit when lenders use BEACON 5 scores from Equifax Canada."
Previously, Fair Isaac's scoring model protected consumers who shopped for a loan for a period of up to 14 days. The new scoring model extends this protected shopping period to 45 days. For mortgage or auto loans, lender inquiries on the consumer's Equifax Canada credit report are counted by the scoring model as a single inquiry during any 45-day period. Consumers benefit because they can shop for the best loan without worry that multiple lender inquiries will significantly affect their future BEACON 5 scores. About Fair IsaacFair Isaac Corporation (NYSE:FIC) combines trusted advice, world-class analytics and innovative applications to help businesses make smarter decisions. Fair Isaac's solutions and technologies for Enterprise Decision Management turn strategy into action and elevate business performance by giving organizations the power to automate more decisions, improve the quality of their decisions, 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 InformationExcept 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 for the year ended September 30, 2006, and quarterly report on Form 10-Q for the period ended June 30, 2007. 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 and/or in other countries. Equifax and BEACON are trademarks or registered trademarks of Equifax, Inc., in the United States and/or in other countries.
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