Business Editors/High-Tech Writers

SAN RAFAEL, Calif.--(BUSINESS WIRE)--Feb. 9, 2004

Loan Center on www.myFICO.com Offers First Public

Comparison of Wide Range of Risk-Based Interest

Rates, Helping Loan Shoppers Save Time and Money

Fair Isaac Corporation (NYSE:FIC) today announced the launch of the first online service to help consumers instantly compare competing loan rates based on FICO(R) credit scores, instead of comparing only the premium rates lenders advertise but normally offer exclusively to people with the highest scores.

The Loan Center on Fair Isaac's consumer site, www.myFICO.com, allows visitors to compare national and local lenders' rates currently being offered to people in their area who have FICO credit scores similar to their own. If consumers like a particular lender's posted rate, the site helps connect them with the lender for more information or to apply for the loan.

"Most consumers know they should shop around for the best interest rate," said Russ Mann, vice president of myFICO(R) services. "As FICO scores are a key component in the lending decision, we introduced our Loan Center to help people compare rates from leading lenders based on FICO scores. The savings to be had by improving one's score and shopping rates by score can be a real eye-opener for many people. It's one more way that myFICO is helping people become more credit-empowered."

The initial lineup of lenders participating in the Loan Center offers a wide range of loan and interest rate options for consumers. Visitors to the Loan Center can compare the current rates of local lenders and several national lenders, including Countrywide Home Loans, E-LOAN, E-TRADE Mortgage, IndyMac Bank and Pricelinemortgage. Visitors see a comparison of interest rates offered by these lenders for five different mortgage products, all matched to the consumer's FICO credit score or suggested score range. The Loan Center is available free of charge to all visitors to the myFICO Web site. MyFICO plans to add more lenders and rates for both automobile and home equity loans to the service in coming months.

"It's the American dream to own your own home," said Elisabeth DeMarse, president and CEO of Bankrate.com. "We have always been dedicated to helping consumers navigate the sometimes confusing waters of personal finance. Our goal of helping consumers become more financially literate is enhanced by our partnership with myFICO's Loan Center. This program arms consumers with yet another tool to help them on their path to home ownership."

Gloria Henry, vice president of Pricelinemortgage, said, "We're excited about participating in myFICO's innovative Loan Center. This unique Web site allows consumers to search for the best mortgage offer based on their personal credit situation. This arms consumers with the information they need to get the best deal for themselves. Pricelinemortgage is the perfect match for myFICO.com because of our competitive pricing, not just for people with perfect credit, but for people with average and below-average FICO scores, too."

The FICO 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. The myFICO Web site offers informative, actionable credit information services that help people improve and protect their overall financial health. Through www.myFICO.com and its associates, over three million FICO score-based information products have been purchased to date.

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modeling, decision analysis, intelligence management, decision management systems and consulting services power billions of mission-critical customer decisions a year. Founded in 1956, Fair Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce fraud and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair Isaac solutions, as do insurers, retailers, telecommunications providers, healthcare organizations and government agencies. Through the www.myFICO.com Web site, consumers use the company's FICO scores, the standard measure of credit risk, to manage their financial health.

Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac 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 myFICO offering, market acceptance of the offering, the risks that customers will not perceive material benefits from the offering, failure of the offering to deliver the expected results, the possibility of errors or defects in the offering, the company's ability to recruit and retain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, competition, regulatory changes applicable to the use of consumer credit and other data, a lengthy sales cycle for our products, 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, 2003. 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.