Fair Isaac Introduces Tools for Lenders to Improve Forward-Looking Credit Risk Management...

Fair Isaac Introduces Tools for Lenders to Improve Forward-Looking Credit Risk Management Practices

Fair Isaac Risk Management Suite Features Tools for
Forward-Looking Credit Risk Management of Individual Accounts and Loan
Portfolios
MINNEAPOLIS--(Business Wire)--Fair Isaac Corporation (NYSE:FIC), the leading provider of
analytics and decision management technology, today announced a new
forward-looking decision tool kit for lenders. The Fair Isaac Risk
Management Suite, available in 2Q08, provides deeper insight into the
future debt sensitivity and default risk of individuals, as well as
more precise understanding of default risk across entire loan
portfolios. The suite includes the latest FICO(R) 08 Score plus a new
Credit Capacity(TM) Index score, Portfolio Stress Testing analytics,
and educational modules known as Fair Isaac Insights.

"Our clients are experiencing unprecedented pressure to identify,
understand and manage risk amid today's fast-moving, uncertain
economic conditions," said Dr. Mark Greene, CEO of Fair Isaac. "As the
industry leader, we are responding with a far-reaching set of
innovative resources that extend lenders' ability to predict and
manage credit risk effectively."

-0-
*T
The Fair Isaac Risk Management Suite consists of:

-- FICO(R) 08 Score - As announced previously, Fair Isaac is adding
valuable innovations to its traditional FICO(R) credit bureau risk
score that will significantly enhance its predictive power across the
entire spectrum of credit risk, with the largest increases coming in
three important consumer segments:
-- Originations and new accounts;
-- Borrowers who pose higher risk, often referred to as subprime
borrowers;
-- Borrowers with thin or young credit bureau files.
Lenders will be able to use FICO 08 Scores with minimal changes to
their current operating systems.

-- Fair Isaac Credit Capacity(TM) Index - This custom solution will
offer lenders significantly deeper insight about consumers in a given
FICO(R) score range by illustrating the degree to which consumers at
that risk level are able to handle future, incremental debt. Used in
tandem with the FICO credit score, the Credit Capacity Index will
provide lenders with unprecedented control of credit risk. Lenders
are now preparing to test the Credit Capacity Index for use with
revolving consumer debt such as credit cards. Application of this
technology for use by mortgage lenders is also being explored for
predicting outcomes, such as which borrowers with adjustable rate
home loans will safely handle higher payments once their loan rates
reset.

-- Fair Isaac Portfolio Stress Testing - This new portfolio-level
analytic offering will complement the FICO credit score by applying
macro-economic forecasts (such as GDP, unemployment rates, and
personal income) against a credit portfolio to help lenders simulate
aggregate changes on the default probability for that portfolio. With
greater insight into future portfolio performance, lenders can make
better credit decisions at the portfolio level, such as increasing or
decreasing available credit to customers in that portfolio.

-- Fair Isaac Insights - A programmatic approach to educating the
market on sound lending practices, Fair Isaac Insights include
informative white papers on such topics as the role of transaction
analytics, what comes after Basel II, and other areas germane to the
credit industry, along with modules to help consumers understand the
meaning of their credit scores and how to improve them.
*T

"In challenging times, it falls to the leaders to stay the course
and produce innovations that restore equilibrium and growth," said
Mike Campbell, Chief Operating Officer for Fair Isaac. "As a leader in
analytics and decision technology for 50 years, we take our
responsibility seriously, and will continue to work closely with our
clients and partners to develop the products they need to be
successful."

Fair Isaac is accepting inquiries now for the Risk Management
Suite. For more information, email cbhelp@fairisaac.com, call (800)
777-2066 (Option #1) or contact a Fair Isaac representative directly.

About Fair Isaac

Fair 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 also helps millions of
individuals manage their credit health through the www.myFICO.com
website. Learn more about Fair Isaac 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 FICO(R) score, FICO(R) 08 Score, Fair Isaac
Credit Capacity Index or Fair Isaac Portfolio Stress Testing and the
relationships described herein, and the benefits to be derived from
the offerings, 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 offerings, the risks
that customers will not perceive material benefits from the offerings,
failure of the products to deliver the expected results, the
possibility of errors or defects in the offerings, 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, 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, FICO and Credit Capacity 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.

Fair Isaac Corporation, Minneapolis
Investors/Analysts:
John D. Emerick, Jr., 800-213-5542
investor@fairisaac.com
or
Media:
Steve Astle, 415-318-4204
Steve.astle@fleishman.com

Copyright Business Wire 2008