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Callcredit Partners

Fair Isaac

Fair Isaac Fair Isaac and Company (NYSE:FIC) is the pre-eminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modelling, 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. 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. Fair Isaac's European centre of operations is in Birmingham, UK. For more information, visit www.fairisaac.com.

A strategic alliance has been formed between Callcredit and Fair Isaac. Under this alliance, Fair Isaac's analytic technologies and expertise have been applied to develop credit risk models to be used on Callcredit's database to generate credit bureau scores (CallScore). CallScore, now available with SHAREReport and CallReport, is a numerical snapshot of a person's credit history at a particular moment in time. Through analysis of information on Callcredit's database, CallScore predicts the relative credit risk associated with the extension of credit to a particular individual and rank-orders individuals according to that relative credit risk. Fair Isaac will provide ongoing support and periodic redevelopment of the CallScore models.

For further information on Fair Isaac, please visit www.fairisaac.com

Fair Isaac is a registered trademark of Fair Isaac Corporation, in the United States and/or in other countries. Callcredit is a trademark of Callcredit plc.

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Callcredit Limited, One Park Lane, Leeds. West Yorkshire. LS3 1EP.
Telephone: +44 (0) 113 244 1555 Facsimile: +44 (0)113 234 0050 Email: info@callcredit.co.uk