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MicroBilt to Resell Fair Isaac's Falcon ID Identity Fraud Protection Solution

KENNESAW, GA, Aug 21, 2005

Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision technology, and MicroBilt Corporation, an information provider that helps banks and businesses reduce risk, today announced that MicroBilt will become the first reseller of Fair Isaac's Falcon™ ID solution to the financial services industry. Falcon ID delivers the industry's most comprehensive and proven approach to preventing identity fraud, reducing losses and protecting consumers for any industry in which identity verification is critical. "This agreement with Fair Isaac allows us to offer a solution that delivers more complete identity fraud protection and an improved customer experience," said Ken Hill, president of MicroBilt. "We are pleased to build upon our existing relationship with the global leader in fraud detection technology, and we're proud to be among the first to offer Falcon ID to a marketplace concerned by the growing frequency of identity theft." Falcon ID enables businesses to achieve new levels of effective identity fraud detection by applying an unprecedented depth of predictive data from both internal and external sources, and delivers an accurate determination of identity fraud risk while enabling smoother processing of applications and transactions of genuine customers. The solution seamlessly integrates with and complements MicroBilt's existing application processing and decisioning applications, enabling lenders of all sizes to decision critical information and take proactive measures to reduce fraud risk and approve more good business. "MicroBilt is well positioned to help lenders easily tap into Falcon ID's powerful fraud-fighting capabilities," said Ted Crooks, vice president of Global Fraud Solutions for Fair Isaac. "Our joint customers will benefit from a cost-effective solution that consistently and accurately identifies potentially fraudulent activities and substantially reduces identity fraud exposure." The agreement extends an existing reseller partnership between the companies that includes providing FICO® Expansion™ and myFICO.com consumer products to joint customers. About MicroBilt:
MicroBilt, a division of Bristol Investments, Ltd., is the leader in credit bureau data access and retrieval, providing credit, collection and data sources. MicroBilt is certified through and provides interfaces with the three consumer bureaus, Equifax (NYSE: EFX), Experian (London Stock Exchange: GUS) and Trans Union and the two commercial bureaus, D&B and Experian Business as well as eFunds Corporation (NYSE: EFD) and Choicepoint (NYSE: CPS). This data access is available via the Internet at creditcommander.microbilt.com, a systems integration tool kit, dedicated terminals and dial-up software. The company also enables web sites to enhance their content offerings by delivering a CreditCommander.com private label site to their established online communities. Credit related insurance services are offered through MicroBilt's licensed insurance group, MicroBilt Assurance Corp. Private company information along with knowledge-based analytical tools and information services is available through Integra Information, a division of MicroBilt. MicroBilt maintains offices in Georgia and New Jersey. For more information, please contact MicroBilt Corporation, 1640 Airport Road, Suite 115, Kennesaw, GA, 30144 or www.MicroBilt.com. Telephone: 1-800-884-4747. 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 each 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. For more information, visit www.fairisaac.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 Falcon ID 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. 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 June 30, 2005. 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, Falcon ID 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 the trademarks of their respective owners.

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