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13 de diciembre de 2006
A recent survey commissioned by the myFICO® service found that Americans consider the Internet to be one of the most effective ways to receive educational information about personal finances and credit. myFICO's online Loan Center, which includes tip sheets, check lists and calculators, helps consumers take an active, educated role in the lending process by coaching them through vital questions such as, Is this the right time?, What are the risks involved?, and What loan products are best for me?
"myFICO understands that preparing for the loan process can be intimidating and difficult for many consumers," said Andy Jolls, vice president of myFICO. "Because myFICO is in a unique position to serve as an informed and trusted advisor rather than as a lender, we created a web destination where consumers can gather independent, expert information to make better informed decisions and maximize their results."
How The Loan Center WorksmyFICO's website introduces consumers to the lending process and loan types, and helps them decide if the timing is right. Then based on their FICO score, consumers can learn in real time what lenders will likely offer them in estimated annual percentage rate (APR) and monthly payment. Consumers can also learn if refinancing an existing loan would be worthwhile, perhaps in response to a new interest rate or an improved FICO score.
When a consumer is ready to receive offers from lenders for a particular loan, myFICO works with an intermediary to convey the consumer's information to a broad network of over 300 lenders and bring back information on up to four lenders who express interest in working with the consumer. The consumer then may choose one of those lenders and work directly with it to close the loan. Lenders who are interested in participating in myFICO's Loan Center should contact email@example.com.
To further assist consumers, myFICO plans to expand the range of loans and programs available on the Loan Center. For more information on the Loan Center including its helpful tips, tools and check lists, go to www.myFICO.com.
About myFICO and Fair IsaacThe FICO® credit score is used to make billions of credit decisions each year, including more than 75 percent of mortgage loan originations. In addition, more than 40 of the nation's 50 largest financial institutions rely on the FICO score to help them determine an individual's credit risk. Through www.myFICO.com, consumers use the company's FICO scores, the standard measure of credit risk, to manage their financial health.
Fair 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 also helps millions of individuals manage their credit health through the www.myFICO.com Web site.
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® credit 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 unforeseen 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. 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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