FICO Announces Licensing Agreement with MicroBilt for FICO Expansion Scores

Risk management information provider will calculate and sell consumer credit
scores that leverage non-traditional credit history
MINNEAPOLIS--(Business Wire)--
FICO (NYSE:FICO), the leading provider of analytics and decision management
technology, announced today that MicroBilt Corporation, Kennesaw, GA, will be
the exclusive licensee of the FICO Expansion score. Under the agreement,
MicroBilt, a provider of risk management information and services to small and
medium-size enterprises, has the rights to use FICO`s scoring model in the
United States to calculate and sell FICO Expansion scores to lenders and
businesses that grant credit.

FICO developed the FICO Expansion score to help lenders assess the credit risk
of an estimated 50-70 million U.S. consumers who have either no traditional
credit history or "thin" credit bureau files. This diverse population includes
students, senior citizens and recent immigrants. The scoring model bases the
score on a variety of non-traditional credit data such as subscription
memberships, deposit account activity and utility histories. The resulting
scores have the same 300-850 score range as the traditional FICO® score and can
be used to complement the traditional score. As a result, businesses and
financial institutions can grant credit confidently to responsible consumers who
are capable of meeting their obligations but lack established credit histories.

Under the terms of the agreement, FICO will retain ownership of the FICO
Expansion score model and its development, and the data sources underlying the
FICO Expansion score will not change. The licensing agreement will streamline
the process for businesses to obtain scores for credit applicants through
MicroBilt. MicroBilt will obtain the underlying data directly from the
providers, enabling the firm to process applications seamlessly that might
benefit from the inclusion of non-traditional credit data. In addition,
MicroBilt has direct links to the three major credit bureaus, which means
clients can get both the traditional FICO score and the FICO Expansion score
from a single source, without the need for multiple connections and complex
workflows.

"Small and medium-size businesses have been hard hit by the recession. They need
to be able to extend credit to thin and no-file consumers to build sales, move
inventory and add jobs," said Walt Wojciechowski, CEO of MicroBilt. "The FICO
Expansion score evaluates the most comprehensive set of non-traditional credit
data in the market, making it the most reliable indicator of creditworthiness in
the absence of traditional credit history. Our agreement with FICO will benefit
our clients and their customers alike. It will accelerate the strategy we have
been following since our acquisition of PRBC last year: becoming the premier
provider of alternative credit servicers to companies serving un-banked
America."

"MicroBilt was our first reseller of the FICO Expansion Score, and its strong
relationships with lenders are a major factor in broadening the score`s appeal
in the market," said Robert Duque-Ribeiro, vice present and general manager of
Scoring for FICO. "We are extending this partnership because MicroBilt`s market
focus will provide additional convenience and support to clients who want to
extend credit to thin and no-file consumers."

About MicroBilt

MicroBilt Corporation is the single source and preferred provider of decision
critical information that responsibly assists businesses in reducing risk and
managing their business. MicroBilt provides online access to consumer and
commercial credit bureau data with automated decisioning and collection
services. MicroBilt also offers additional data products, which include a basic
person search, criminal conviction, bankruptcy, liens, judgments, motor vehicle,
employment background and bank history reports at www.MicroBilt.com or through a
direct interface utilizing their systems integration tool kit. For more
information visit www.microbilt.com.

About FICO

FICO (NYSE:FICO) transforms business by making every decision count. FICO`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 FICO
to increase customer loyalty and profitability, cut fraud losses, manage credit
risk, meet regulatory and competitive demands, and rapidly build market share.
FICO also helps millions of individuals manage their credit health through the
www.myFICO.com website. Learn more about FICO at www.fico.com.

Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statements contained in
this news release that relate to FICO 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
and reengineering plan, 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, its
ability to recruit and retain key technical and managerial personnel,
competition, regulatory changes applicable to the use of consumer credit and
other data, the failure to realize the anticipated benefits of any acquisitions,
continuing material adverse developments in global economic conditions, and
other risks described from time to time in FICO`s SEC reports, including its
Annual Report on Form 10-K for the year ended September 30, 2008, and its
quarterly report on Form 10-Q for the period ended June 30, 2009. If any of
these risks or uncertainties materializes, FICO`s results could differ
materially from its expectations. FICO disclaims any intent or obligation to
update these forward-looking statements.

FICO, FICO Expansion, and 300-850 are trademarks or registered trademarks of
FICO, 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.

Media:
FICO
Craig Watts, 415-492-5399
craigwatts@fico.com
or
Campbell Lewis Communications
for MicroBilt Corporation
Bill Campbell, 212-995-8057
bill@campbelllewis.com
or
Investors/Analysts:
FICO
John Emerick, 800-213-5542
investor@fico.com

Copyright Business Wire 2009