AnyTime Access, Inc. Signs Agreement With Fair, Isaac and Experian to Offer Pooled Data Scoring Models to Lending Center Clients.

SACRAMENTO, Calif.--(BUSINESS WIRE)--Dec. 18, 1998--

Alliances Provide Access to Increased Loan Profitability

AnyTime Access, Inc., a leading provider of lending call center and consulting services to financial institutions in the United States and Canada, announced an agreement with the decision-making solutions leader Fair, Isaac and Company, Inc. (NYSE:FIC) and Experian, the leading global information management solutions provider, to offer their lending center clients access to scoring models on a per transaction fee basis.

These alliances provide AnyTime Access clients with the benefits of using individual models without the cost of developing and maintaining multiple models or purchasing them outright.

"As the first lending call center to offer pooled data scoring models to clients, we are opening the door to increased profitability that has previously been tightly shut to many financial institutions due to cost," said Tom Bollum, president and CEO of AnyTime Access. "Providing our clients affordable access to these powerful models is another way AnyTime Access is helping clients level the playing field between themselves and their competition."

"This is a 'win-win' situation," stated Rachel Callahan, alliance manager for Fair, Isaac. "Through this alliance, AnyTime Access offers clients more opportunities to access Fair, Isaac scores, and the financial institution is able to increase loan profitability by using Fair, Isaac's predictive models to better understand borrower repayment habits."

These alliances allow AnyTime Access to deliver more value to their client base. "Using AnyTime Access' ability to make loans based on information from pooled data models, financial institutions will greatly increase their profitability, reduce their risk and provide better service to their applicants," said Robert Savage, director of product development for AnyTime Access.

Gail Wetzel, solutions consultant for Experian, stated that this alliance enables Experian to grow their existing client base even further by being able to provide modeling services to AnyTime Access clients.

"We are excited to have the opportunity to expand our market to even more financial institutions through this relationship. This alliance provides a situation where all partners benefit. As AnyTime Access grows, we grow. And the AnyTime Access clients really profit as they are able to implement a turnkey model based lending program without concern for adding staff to monitor and analyze the model's data to ensure compliance."

AnyTime Access has specialized in personalized, 24-hour consumer loan processing and lending services through their lending call center since 1994. The company's state-of-the-art technology, service expertise and seamless systems integration with financial institutions have made AnyTime Access the premier provider of lending call center services and consulting to financial institutions.

Experian (www.experian.com) -- a global information solutions company headquartered in Orange, Calif., and Nottingham, UK -- is a leading supplier of consumer and business credit information, credit scoring and software solutions, and direct marketing services.

Including recent acquisitions Metromail Corp. (in April 1998) and Direct Marketing Technology, Inc. (April 1997), Experian employs nearly 11,000 worldwide with 7,500 employees in the United States. Annual sales are about $1.5 billion. Experian is a subsidiary of the Great Universal Stores P.L.C., a UK-based holding company that includes home shopping, retail, property investment, finance and information services businesses. For more information, contact Julie Springer at 714/385-7522.

Fair, Isaac (www.fairisaac.com) helps businesses worldwide maximize the value of data to make more profitable decisions about their customers, operations and portfolios. Known for its pioneering work in credit scoring and its use of data in transaction-level decisions, Fair, Isaac now delivers data management services, analytics, software, and consulting to the financial services, direct marketing, personal lines insurance, retail, and healthcare industries.

Headquartered in San Rafael, Calif., Fair, Isaac employs 1,500 people in 17 offices worldwide. For the fiscal year ending Sept. 30, 1998, the company reported revenues of $245.5 million, a 23 percent increase over the prior year. For more information, contact Fair, Isaac at 800/999-2955.

Information about AnyTime Access can be found at www.anytimeaccess.com Please e-mail sales inquiries to [e-mail] or call 800/852-4627