Fair, Isaac Offers Consumers Award-Winning Credit Monitoring Service To Help Safeguard Their Credit Health.

Business Editors

SAN RAFAEL, Calif.--(BUSINESS WIRE)--Nov. 25, 2002

myFICO.com adds Equifax Credit Watch to growing list of credit

empowerment services that bring power of industry-standard

FICO scores to consumers

Fair, Isaac and Company, Incorporated (NYSE:FIC) today announced the addition of Equifax (NYSE:EFX) Credit Watch(TM), the industry's premier 24-hour credit monitoring service, to the innovative consumer credit empowerment services already available at www.myFICO.com. The myFICO(SM) service now offers consumers unmatched value by pairing the early detection of identity theft by Credit Watch with the credit insights of FICO(R) credit scores.

Called one of the best products of 2001 by Business Week, Credit Watch alerts consumers via e-mail within 24 hours when new information has been added to their Equifax credit file. Changes in a person's credit file which the person did not initiate, such as new account inquiries or updates reflecting late payments, can be an early warning of identity theft.

Subscribers receive four Score Power(R) reports for monitoring changes to their FICO score and their Equifax credit report. Score Power also provides Fair, Isaac's groundbreaking score analysis that provides insight into the same information lenders use, in order to help consumers improve their true credit potential over time. Available online at www.myFICO.com, an annual subscription to Credit Watch costs $69.95.

"Identity theft is the fastest-growing crime against consumers and calls for strong medicine," said Sue Simon, vice president of myFICO for Fair, Isaac. "Our customers will benefit from this access to Credit Watch on myFICO.com because it is a uniquely powerful service that enables people to monitor both their Equifax credit report and their FICO score at the same time. Subscribers not only protect themselves with the best and safest technology now available online, they also can monitor their true credit potential and learn how to manage their credit so they can attract the best loan terms down the road."

Credit Watch subscribers also receive access to a consumer hotline in the event changes in their credit report reveal potentially fraudulent activities. If subscribers spot what they believe is inaccurate information in their credit report, the service provides them an e-mail link to Equifax for requesting a review of their credit file.

The FICO score is a snapshot of a consumer's credit risk potential at that moment, and 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 determine an individual's credit worthiness.

About Fair, Isaac

Fair, Isaac and Company (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 more than 25 billion 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(R) scores, the standard measure of credit risk, to manage their financial health. As of August 5, 2002, the business of HNC Software Inc., a leading provider of high-end analytic and decision management software, is part of Fair, Isaac. For more information, visit www.fairisaac.com.

Some of the information contained in this press release, including statements with respect to the expected availability of the new score explanation service and other products and services, 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 company's ability to recruit and maintain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, its ability to continue to develop new and enhanced products and services, competition, regulation 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 2002. These forward-looking statements speak only as of the date hereof. Fair, Isaac disclaims any intent or obligation to update these forward-looking statements.

Note to Editors: Fair, Isaac, FICO, myFICO and HNC are trademarks or registered trademarks of Fair, Isaac and Company, Incorporated, in the United States and/or in other countries. Equifax, Credit Watch and Score Power are trademarks or registered trademarks of Equifax Inc. Other product and company names herein may be trademarks of their respective owners.