Fair Isaac Expands ScoreNet Service to Deliver Greater Precision for Customer Management

Over time, your credit score will improve
if you demonstrate your ability to maintain a timely payment schedule.

Media Contact: Jennifer Geist
GoApply.

Experian Launches New Credit Scoring System VantageScore(SM)

"
VantageScore was developed by the three national credit reporting
companies as a direct result of market demand for a more consistent and
objective approach to credit scoring methodology. "This new
score provides consumers with a clear , consistent picture of their credit
standing that leads to knowledgeable consumers working in concert with credit
grantors to accomplish their financial objectives.

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Millions of Americans Looking for Advice to Improve FICO Score and Other
Credit Needs

ALISO VIEJO, Calif.com). By law, the credit bureau has 30 days to
reinvestigate the information. GoApply . Launched in 2002, more than 3 million online customer loan requests
have been matched to GoApply . This innovative new approach
to credit scoring simplifies the credit granting process for businesses and
consumers alike by providing a consistent, objective score to the marketplace. It has an unrivaled understanding of
individuals, markets and economies around the world.

For more information , visit the company's Web site at http://www.

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Monthly credit score updates give lenders more up-to -date risk
evaluations of their customers.
"ScoreNet Service's richer set of credit attributes helps lenders
to get even more mileage from Fair Isaac credit bureau scores," said
Ron Totaro , vice president of Global Scoring Solutions for Fair Isaac. "Our experts have the unique combination of deep
knowledge of Fair Isaac scores and extensive experience working with
credit bureau data . 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. 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 on Form 10-K for
the year ended September 30, 2004 , and quarterly report on Form 10-Q
for the period ended March 31, 2005.com, a
leading financial services website that matches consumers with appropriate
lenders, are outlining simple steps consumers can follow to help improve their
overall credit score. Repair Your Report.
Consumers and credit grantors alike will recognize the logical score groupings
that approximate the familiar academic scale:

* 901-990 A
* 801-900 B
* 701-800 C
* 601-700 D
* 501-600 F

As consumers increase their awareness of the importance of credit scores
and credit reporting, the consistency of VantageScore will provide the type of
information they need to evaluate their credit standing and make sound
financial decisions.

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Lenders use credit file attributes,
which provide information from each credit file such as how many
bankcards the person has, to gain a deeper understanding of their
customers' credit status and history. By greatly expanding its suite
of credit file attributes, ScoreNet Service is enabling subscribers to
further refine their strategies for decreasing customer delinquencies,
increasing balances and building stronger customer relationships .

Fair Isaac, FICO and ScoreNet are trademarks or registered
trademarks of Fair Isaac Corporation , in the United States and/or in
other countries.
If you're having trouble paying your bills , don't be afraid to ask your
creditors for help. Creditors need to know you're making
the effort to 'make good', so don't be afraid to ask for help if you need it.

In addition to credit information, GoApply. VantageScore is commercially
available beginning today.

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As a score is a
representation of the underlying data, Experian will leverage data from its
FileOne(SM) consumer credit database , the industry's most frequently updated
source of consumer credit data.

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"Now even small lenders can check their
customers' payment status across all lenders every month, just as the
largest credit card issuers do. Through the www. "Credit bureaus want to see a big gap between the
amount of credit you have and the amount of credit you're using. Consumers can log onto http://www.com for more
information .
By combining cutting-edge, patent-pending analytic techniques with a
highly intuitive scale for scoring, VantageScore will provide consumers and
businesses with a highly predictive, consistent score that is easy to
understand and apply.5 billion.

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Pay On Time.com, use credit cards
regularly but delicately and, if possible, pay your balance in full at the end
of every month. By contacting creditors directly and explaining your
situation, they might consider offering more flexible billing options,
including reducing your monthly payment.

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Most leading banks and credit card
issuers rely on Fair Isaac solutions, as do insurers, retailers,
telecommunications providers, healthcare organizations and government
agencies.com has set out to educate consumers nationwide
and to provide easy steps to repair credit and pay down debt to improve their
overall financial situation. You can access
these bureaus online at GoApply., Experian(R), the global
information solutions company, today announced the launch of VantageScore(SM),
the credit reporting industry's first credit score developed jointly by the
three national credit reporting companies to deliver consistent, objective
credit scores across their respective databases.

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Most importantly, focus your
attention on credit cards and other types of revolving credit.com offers a variety of
important financial tools, including home loan, refinance, insurance and
automotive-related services.

About GoApply.com, is a leading consumer website offering Home
Finance, Credit and Debt Consolidation, Insurance and Automotive -related
services. VantageScore uses score ranges from 501 to 990."
The new scoring system addresses the potential weaknesses in existing
scoring solutions in the marketplace because any variances in credit scores
between credit reporting companies will be attributed to data differences
within each of the three consumer credit files and not to the structure of the
scoring model or interpretation of the data.experian.

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Totaro noted that subscribers who use ScoreNet Service for
account management can get expert guidance directly from Fair Isaac
consultants. To help businesses segment their customers ,
the service can also deliver consumer credit attributes with each
score, derived from the underlying credit bureau report. Run Your Report. According to industry
experts, credit scores of 720 or higher are ideal -- anything below 620 is
usually considered sub-prime. However, GoApply.com
GoApply .goapply.

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Subscribers can also now conduct monthly score updates
delivered over Fair Isaac's proprietary ScoreNet Service network. Other product and company names herein may be the
trademarks of their respective owners. Keep in mind,
however, that revolving credit is an important part of your overall score if
you're responsible about it.com says this is a
misconception. In the end, it could
negatively impact your overall score.goapply.com's network of licensed industry brokers and
lenders to help fulfill their financial needs.
"For many decades, Experian has built its business by providing clients
with the highest quality data management, scoring and analytics," said Kerry
Williams , group president of Experian's Credit Services.com.

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About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) is the preeminent provider of
creative analytics that unlock value for people, businesses and
industries. GoApply.
"Consumers don't always know where to turn for help, nor do they know
there are simple ways to get their credit back in order," said Bill Baskin,
COO of GoApply .S.
"For many years Experian has been providing consumers with credit
education materials and credit scoring is the hottest topic on their list,"
said Maxine Sweet, vice president of public education for Experian. Experian promotes greater financial health and
opportunity among consumers by enabling them to understand, manage and protect
their personal information, helping them control financial aspects of key life
events and make the most advantageous financial decisions.

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com

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 ScoreNet Service product offering and the
benefits to be derived from this offering, are forward -looking
statements within the meaning of the "safe harbor" provisions of the
Private Securities Litigation Reform Act of 1995. 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.com have detailed for consumers to follow to help them get their
credit organized and back on their feet.
If you spot a problem on any of the reports provided by the three major
credit reporting agencies, notify the applicable agency in writing and report
any information you feel is incorrect. If the report is incomplete, the credit bureau
must complete it. Experian provides
information, analytics, decision-making solutions and processing services.

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Once the reinvestigation is done, the
credit agency will provide you with written notification and if there are any
changes to your report, you will receive a free, updated copy for your files.

4."

6.

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"Lenders can apply these attributes in many ways to improve their
bottom line, such as by selecting attributes that will fine-tune their
credit risk evaluation or improve their account retention strategies ,
or increase their cross-sell opportunities.

"It's important to understand what to do and what not to
do, and where to go when your credit report needs cleaning up."
Following are six easy steps that Baskin and other executives at
GoApply. Be sure to provide back-up
documentation that supports your position and ask that the reporting agency
delete or correct the information.

One of the most negative impacts on a credit score is a person's inability
to pay bills on time. COSTA MESA, Calif. and/or its associated companies.com

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myFICO. If the report contains erroneous data, the
credit bureau must correct it. And since your credit score is based not only on
individual card debt but also on the total amount of debt on every credit card
account you have, consolidating debt to one card or moving it around to
multiple cards simply won't improve your score over the long haul. "Closing accounts might actually hurt your credit score in the
long run ," said Baskin.com

Contact: Donald Girard
Vice President, Public Affairs
714 830 5647
Donald.

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This enables them to select the right attributes
to solve specific business problems such as modeling segment
populations or refining account management decisions," he said.

GoApply.com Mortgage Experts Set Out to Help Americans With Poor Credit

Before you determine if you need to improve your credit, you need to
understand what your credit score is in the first place. If you've missed
several payments, do what you can to get up-to-date -- most importantly, do
what you can to remain up-to-date. Don't Close Accounts . "This new approach to
scoring is a further progression of our efforts to satisfy client and consumer
needs, and we are looking forward to presenting the proven value of
VantageScore to the marketplace . Experian works
with more than 50,000 clients across diverse industries, including financial
services , telecommunications, health care, insurance, retail and catalog,
automotive, manufacturing, leisure , utilities, e-commerce, property and
government.

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1.goapply. According to GoApply. It
assists organizations in understanding their markets and customers and helps
them find, develop and manage profitable customer relationships to make their
businesses more profitable. Annual sales exceed $2.

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com advises consumers to make payments in a
timely fashion and to maintain that schedule over time. If you can't pay the balance in full, pay the minimum balance
on time, every time.

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"
Mr . The company's predictive modeling, decision analysis,
intelligence management, decision management systems and consulting
services power billions of mission-critical customer decisions each
year .
Do everything you can to pay down debt.com, http://www.

The word "Experian" is a registered trademark in the EU and other
countries and is owned by Experian Ltd.

dci creditinfo

For more than a decade, ScoreNet Service has provided businesses
with a one-stop source for Fair Isaac credit bureau scores, including
revenue, bankruptcy and FICO(R) risk scores from all three national
credit reporting agencies. Since your credit
standing is constantly changing (due to changes in your own personal financial
situation, your bill payment history and any outstanding debts you may have)
and since the information differs depending on which credit bureau furnishes
the report, be sure to access a copy of your credit report from all three of
the major credit bureaus -- Equifax, Experian and TransUnion.com (http://www.

3.goapply.

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Forward-looking statements should
be considered with caution. Fair Isaac disclaims any intent or obligation to
update these forward-looking statements ., Citing the millions of
Americans who suffer from bad credit, mortgage experts at GoApply.com.

When you
cancel credit card accounts, you narrow that gap. With close to 30 years
combined business experience, the senior management team and staff at
GoApply.com has an intrinsic knowledge of today 's online consumer -- knowledge
that allows the company to match consumers with the right industry
professionals across the U.com
(949) 330-6973
jennifer@goapply .

About Experian
Experian is the global leader in providing value-added information
solutions to organizations and consumers., Experian employs 12,000 people in 31 countries who support
clients in more than 60 countries.girard@experian.

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Business Editors

MINNEAPOLIS--- -

ScoreNet Subscribers Now Can Receive Monthly Score Updates,
Accompanied by an Enhanced Set of Consumer Credit Attributes
Generated from Experian Credit Files

Fair Isaac Corporation (NYSE:FIC), the leading provider of
analytics and decision technology , today announced that its
ScoreNet(R) Service has been expanded to offer subscribing banks and
businesses their choice of up to 202 credit attributes from Experian
consumer credit files, accompanying Fair Isaac scores calculated at
Experian.

2. And if the report shows an account that doesn 't belong to
you, the credit bureau must delete it.com
http://www.

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"
"Greater frequency of score updates can translate into sharper
risk prediction and improved customer management strategies," said
Barbara Dalmau, product management director of Global Scoring
Solutions for Fair Isaac. In addition
to standard credit attributes such as "worst public record" and
"number of trade lines on file," businesses tapping Experian credit
files now can choose from a wide variety of additional attributes such
as "time of most recent delinquency," "aggregate monthly payment for
open trades," and "highest utilization" of specific types of financial
services products.com Web site, consumers use the
company's FICO(R) scores, the standard measure of credit risk, to
manage their financial health. For more information, contact
ScoreNet@fairisaac. Pay Down Debt.
It's common for people to cancel credit cards thinking they'll improve
their credit standing in the process. A subsidiary of GUS plc with headquarters in Nottingham, UK, and
Costa Mesa, Calif.

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5. Ask For Help.