Fair Isaac Innovation Will Restore Authorized User Accounts to Calculation of FICO...

Fair Isaac Innovation Will Restore Authorized User Accounts to Calculation of FICO 08 Scores

Patent-pending breakthrough will help protect score from credit
repair and help lenders meet legal requirement of Equal Credit
Opportunity Act
MINNEAPOLIS--(Business Wire)--
Fair Isaac Corporation (NYSE:FIC), the leading provider of
analytics and decision management technology, announced today that its
scientists have discovered a way to restore authorized user credit
accounts to the calculation of FICO(R) 08 credit scores while
materially reducing any potential impact to the score from tampering.
Fair Isaac is now adding the patent-pending technology advance to its
FICO(R) 08 formula. The company estimates that more than 50 million
U.S. consumers are legitimate authorized users on another person's
credit card.

"The hallmarks of FICO scores have been quality and innovation,
and this technology advance is a great example," said Lisa Nelson,
vice president of Global Scoring for Fair Isaac. "This breakthrough
resolves an industry problem that we know has perplexed lenders and
concerned regulators. We have developed technology that will reduce
any impact on the FICO 08 score from intentional tampering, while
allowing the scores of spouses and other genuine authorized users to
benefit from their shared credit experience. This kind of innovation
is why Fair Isaac's analytic scientists are regarded as the best in
the world."

Adding the innovation to the FICO(R) 08 formula is expected to
take Fair Isaac several weeks. The company is working closely with
credit reporting agencies to bring the new FICO(R) 08 score to market
as quickly as possible.

Helps Lenders Address Regulatory Requirement

Since its introduction in 1989, the FICO(R) score has helped
lenders comply with an important federal regulation by automatically
including authorized user accounts in the score's assessment of risk.
Under the Equal Credit Opportunity Act (ECOA), when lenders assess a
spouse's credit risk they are required by law to consider the credit
history of accounts which both spouses are permitted to use. With the
introduction of Fair Isaac's innovation to the FICO(R) 08 formula, the
FICO(R) score continues to help lenders meet this legal requirement.
This information is not intended to be legal advice; lenders are
encouraged to check with their own legal counsel to determine how best
to meet regulatory compliance requirements.

Businesses seeking more information about the FICO(R) 08 score are
welcome to direct inquiries to scoringsolutions@fairisaac.com.

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) transforms business by making
every decision count. Fair Isaac's Decision Management solutions
combine trusted advice, world-class analytics and innovative
applications to give organizations the power to automate, improve 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 or its
business 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 the success of the Company's Decision Management strategy,
its ability to recruit and retain key technical and managerial
personnel, the maintenance of its existing relationships and ability
to create new relationships with customers and key alliance partners,
its ability to continue to develop new and enhanced products and
services, competition, regulatory changes applicable to the use of
consumer credit and other data, the possibility that the anticipated
benefits of acquisitions, including expected synergies, will not be
realized 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, and its quarterly report on Form 10-Q for
the period ended March 31, 2008. 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. Other product and company names herein may be trademarks or
registered trademarks of their respective owners.

Fair Isaac Corporation
Media:
Craig Watts, 415-492-5399
craigwatts@fairisaac.com
or
Investors:
John Emerick, 612-758-5560
johnemerick@fairisaac.com

Copyright Business Wire 2008