Empresas y finanzas

Fair Isaac Global FICO Score Reaches New Market through Alliance with Korea Credit Bureau



    Fair Isaac Corporation (NYSE:FIC), the leading provider of
    analytics and decision management technology, today announced a
    multi-year agreement with Korea Credit Bureau (KCB), the Republic of
    Korea's premier provider of consumer credit information. KCB will
    market and sell Fair Isaac's industry-proven Global FICO(R) score,
    enabling lenders in that nation to sharpen their evaluation of
    consumer risk, streamline decision processes and increase
    profitability.

    Global FICO score rank-orders 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. Korea
    Credit Bureau plans to provide Global FICO scores to financial
    institutions and credit lenders starting in early 2007.

    "Our alliance with Korea Credit Bureau opens a new chapter for
    lenders in the Republic of Korea who serve the consumer credit
    market," said Ron Totaro, vice president of Global Scoring at Fair
    Isaac. "Global FICO score provides a way for lenders throughout the
    country to quickly implement highly predictive risk assessment
    solutions. By gaining better control of risk, they also can speed up
    decision processes and increase their profits."

    "Our member lenders founded the Korea Credit Bureau to improve the
    quality of credit data in this market by sharing both positive and
    negative data as advanced countries do," said Buhmsoo Choi, Ph.D. and
    senior vice president of the credit evaluation department at Korea
    Credit Bureau. "We expect that credit data of KCB will become more
    powerful by being combined with Fair Isaac's proven, world-class
    analytic science. By using Global FICO credit risk scores, it is
    anticipated that lenders will be able to more accurately determine a
    consumer's credit risk and can tailor their credit offerings to every
    risk profile."

    Fair Isaac developed its Global FICO score technology using
    knowledge and experience it gained from analyzing a wide range of
    credit data over many years. By addressing a variety of predictive
    variables, the score technology accommodates a broad range of bureau
    configurations and available data.

    Global FICO(R) score may also assist lenders to meet their Basel
    II and other regulatory compliance requirements. The scores are
    complementary to custom application and behavior models, and can be
    used alongside internal scores at all stages in the credit lifecycle
    to improve decisions throughout the lending process, from marketing
    and account origination to full portfolio management.

    About Korea Credit Bureau

    Korea Credit Bureau, which evaluates the creditworthiness of
    individual consumers in a comprehensive manner as a premier credit
    bureau in Korea, was established with the participation of 19 leading
    financial institutions as shareholders in the Republic of Korea.
    Unlike competing data providers, KCB, as the first-ever comprehensive
    credit bureau in Korea, is collecting not only negative data such as
    delinquency, but also a variety of positive data. KCB is aimed at
    consolidating the credit infrastructure of a society under the slogan
    of the "Common Asset of Korea Credit Business," and furthermore
    becoming the world-class "Best Practice CB." For more information,
    visit www.koreacb.com.

    About Fair Isaac

    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. Visit Fair
    Isaac online at www.fairisaac.com.

    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 Global FICO(R) 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 for the year ended September 30, 2006, and
    quarterly report on Form 10-Q for the period ended December 31, 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.

    Fair Isaac, Global FICO and FICO are trademarks or registered
    trademarks of Fair Isaac Corporation, in the United States and/or in
    other countries. Other product and company names herein may be
    trademarks or registered trademarks of their respective owners.