LSAMS Software System Overview

Transcription

1 A FAIR ISAAC WHITE PAPER LSAMS Software System Overview Transforming the loan servicing and management experience December 2006 Summary: This paper provides a complete overview of Fair Isaac s LSAMS software system, including information on standard and optional features, and the many benefits mortgage lenders take advantage of for servicing and managing their loans. It explains how the LSAMS platform provides a true customer-centric servicing approach to help build portfolio volume, and how the system s design simultaneously helps boost profitability through greater efficiencies and cost containment. FOR MORE phone from US worldwide web INFORMATION [email protected]

2 Table of Contents LSAMS TM Software System Overview...1 Simplify the lending process... 2 Manage multiple loan types... 2 LSAMS software system features for the resort industry... 2 System Benefits... 3 Standard Features... 4 Standard System Features... 5 Optional Features...10 The LSAMS Customer Service Portal...11 Increased customer satisfaction and reduced costs Fair Isaac s Mortgage Banking Software Solutions...12 ScoreNet network, the Fair Isaac E-services network...13 Fair Isaac s Mortgage Banking Analytics and Decisioning Tools...14 About Fair Isaac Fair Isaac Corporation. All rights reserved. i

3 LSAMS TM Software System Overview Loan profitability is determined by the ability to efficiently manage accounts, collect timely loan payments and maintain a high level of customer service through an effective loan system. Fair Isaac is transforming the loan servicing and management experience by providing shared, real-time access to upto-the-minute customer data through a single servicing platform offering a complete customer view. This gives your servicers the ability to proactively up-sell and cross-sell products resulting in an immediate and positive impact on your company s bottom line. Fair Isaac s loan servicing and default solution is a comprehensive and highly dynamic loan servicing system that offers processing features to manage new loan boarding, transaction processing and banking, investor accounting, collections and payoffs, as well as many other servicing-related tasks. The LSAMS application allows lenders to consistently manage a higher volume of loans with fewer staff. The flexibility and security offered through the LSAMS platform are unmatched in the servicing software market. The system uses business logic to drive loan setup, billing, payment and delinquency management processes. The LSAMS application employs technology that provides a true customer-centric approach to servicing business practice. Organizing activities around customers allows an immediate response to inquiries and speeds up the servicing process. Customers remain at the focus of the business process, not incidental to it. FIGURE 1: CUSTOMER-CENTRIC APPROACH TO SERVICING The LSAMS system services multiple mortgage and consumer loans from the same platform, increasing the number of loans per full-time equivalent and lowering the servicing cost per loan Fair Isaac Corporation. All rights reserved. 1

4 Simplify the lending process This highly flexible, easy to navigate application makes it easier to prepare the forms that are most commonly used in the mortgage industry. The use of various control files allows lenders to define the system to their unique business requirements and control loan servicing in-house as a low-cost, highperformance alternative to service bureaus. Manage multiple loan types The LSAMS software system services multiple mortgage loan types and consumer loans from the same platform through a comprehensive rules-based engine. The software increases the number of loans per full-time equivalent (FTE) and lowers the servicing cost per loan by providing the tools for the same user to service all loan types. The LSAMS software system allows mortgage lenders to streamline and optimize operations with comprehensive features designed specifically for all mortgage and consumer lenders. The optional LSAMS CCS (Consumer Credit Servicing) module enables companies to have one solution to service first and second mortgage and consumer loans, including HELOCS, revolving lines of credit, automobile loans and credit cards. LSAMS software system features for the resort industry The LSAMS application is not only used by traditional mortgage servicers, but the resort industry as well. Fair Isaac offers key enhancements that specifically address the needs of the resort industry including vacation clubs and time shares. The system provides non-traditional mortgage screens to easily establish a new loan; track accounts by unit, week or contract interval; and accept and monitor credit card ACH transactions for payments. Your servicers can determine the equity a borrower has in the property via new Equity Quote screens. You also have access to a series of non-mortgage related investor reports, and calculations on unearned interest, assets and present value Fair Isaac Corporation. All rights reserved. 2

5 System Benefits The LSAMS system helps lending institutions consistently achieve increased employee productivity, portfolio growth with virtually no system restraints, robust reporting, and improved ROI and profitability. Control of information and cost containment are maximized through the LSAMS system s comprehensive system functionality and exceptional server performance. The system offers features such as file maintenance, customer service, insurance, collections/delinquency management, escrow administration and investor reporting. It also automates functions including: loan setup, payment processing, and banking and reconciliation. Additionally, the system is: Highly flexible There are 27 plans to help you customize key processing areas. Business rules/controls are managed with highly flexible system plans, system setting, and factors to ensure the system is meeting your needs. Easy to navigate The system is menu-driven and offers easy-to-use Help functions and online documentation. Function keys and the application s door feature allow you to navigate through the system without leaving the initial entry point. Easy to modify files Users can also easily add records, and modify and delete records from files, as necessary. The LSAMS system also offers the ability to integrate with productivity tools such as predictive dialers, voice response units, EDI interfaces, tax service interfaces, and property inspection vendor interfaces Fair Isaac Corporation. All rights reserved. 3

6 Standard Features Customer service The customer service feature of the LSAMS application provides a menu of general inquiry functions that allow users to view master loan records and delinquency information. The system provides the tools to quickly set-up new loans and to maintain the files for each loan in a portfolio. Lenders can also access specific customer inquiries, loan histories, payment change histories, borrower services, call loan evaluation and ARM evaluation to effectively manage their customers needs. Investor accounting The investor accounting feature consists of the procedures required to perform the record keeping and reporting requirements for agency investors. These procedures include setting up and maintaining investor, pool, and security holder records and producing a wide variety of reports based on the information in these records and the specifications of the lender s investors. Cash management/accounting The cash management feature gives lenders the ability to manage numerous bank accounts, including payment clearing and escrow disbursement accounts. Lenders can establish separate remittance and escrow accounts for every group of loans serviced for other investors. Bank transfer letters, daily and monthly cash journals and bank balance statements can be prepared easily. Lenders can also prepare interest receivable reports based on adjusted balances. Reports and system management A variety of reports and system maintenance functions are available to help track portfolios and to keep systems up-to-date and accurate. These functions include year-end processing, tax identification number processing, management reports, generic loan interfaces, database management, purge processing, userdefined system file security and ad-hoc reporting. Default loan management The LSAMS application provides numerous tools to aid in managing delinquent loans. An online collection history feature allows lenders to track collection efforts as they are performed. The application also provides PMI delinquency reporting to PMI companies, and the property inspection process provides the capability to create order files to send to the property inspection vendor and to receive results from the vendor. Consolidating core servicing and default management systems Servicing default management comprises the most critical processes for protecting loan portfolio value. The LSAMS application fully integrates with Fair Isaac s best-of-breed default management software, FORTRACS. Escrow/Optional insurance management The LSAMS system allows you to validate tax and insurance bills as they arrive each day. If the escrow account is not sufficient to pay the bill, the system will provide a notification, enabling an immediate analysis of the account. Escrow disbursements can be made at any time, for any account. Within the limits you establish in the control file, escrow advances are made automatically when required. You can perform a preliminary or a final escrow analysis at any time. All of the parameters controlling escrow analysis are plan driven and controlled and set by you. Escrow overages can be refunded automatically; escrow shortages can be billed automatically or spread over a defined timeframe Fair Isaac Corporation. All rights reserved. 4

7 Pages 5-9 contain a summary list of the various tools and actions that can be performed with the LSAMS system. Standard System Features Customer Service Customer Inquiry Capabilities Loan Loan search (21 selections) Escrow analysis preview Escrow History Interest on escrow inquiry Payment CTS Loan record change inquiry Loan Histories On-screen Detail description format Printed format Display order ascending/descending New Loan Setup Automated interface to Fair Isaac origination and secondary marketing products Automated interface to other origination and secondary marketing products User-definable edits and defaults Automatic coupon generation New loan edit reports Payment Change History P&I Interest rate Service fee Yield differential HUD MIP risk-based premiums Escrow HUD 235 subsidy Buy-down Pre-payment penalties NOTE: All payment changes apply to both payment application and reversal Borrower Services Annual Mortgagor and Information for: Annual Statements Coupon Escrow Analysis Coupons Third-party coupon vendor interface to: NCP Paytech Others Venture Escrow Analysis Monthly Billing Plan driven to allow customization Stop billing on pre-paid loans Cummins Allison User-defined statements can be included Flexible billing cycles any day of the month NOTE: Statements can be generated for ACH loans, paid-off loans, specific posted transactions Assumptions Payoff Quotes & Processing Payoff quote history User-defined payoff quote letter Calculation for GNMA interest Pre-payment penalty calculations Automatic escrow calculation Calculation of default interest rate One-step payoff processing Loan Modifications Amortization Schedules Recording fee calculation by State/County GPM Bi-weekly Loan factors calculations Call Loan Evaluation Preliminary and final processing Automatic call loan processing Automatic printing of call notification ARM Evaluation Life of loan history of P&I and rate Automatic calculation of rates and P&I Automatic printing of ARM notification ARM index history 2006 Fair Isaac Corporation. All rights reserved. 5

8 Investor Accounting Single-dept reporting Monthly transactional journal Prepayment and curtailment reports Delinquent loan reports New loan reports Loans-removed reports Trial balance Recap of activity by pool Recap of activity by investor Odd due date reporting options FHLMC/MIDANET Loan-level reporting Monthly reporting via EDI, Midanet PC and tape Tape and forms Online help Fannie Mae Laser/Mornet FNMA loan level reporting Online laser file (current and prior month) Monthly reporting Tape and forms Maintenance and reprint capability of data/forms Online help FNMA trial balance comp. Laser file query (user defines selection/sort) Pool to security reconciliation Same month pooling Expected P&I reconciliation Mornet MBS call-on download to PC Simple interest processing Monthly guarantee fee remittance processing Auto P&I advance and recovery FNMA 2010 generation MBS style report, editing and reprint GNMA I and II MBS Reporting (11710 A, D, E, B & C) Monthly reporting via tape NDC reporting via tape or direct communication 1 st of month cutoff Maintenance/reprint of all forms prior to tape/hard copy submission Automated P&I advance & recovery Monthly P&I and guarantee fee remittance processing Quarterly trial balance via tape/edi Automated and check printing with consolidated check options Excess fund calculation & recovery GNMA Security Holder Processing Maintenance and reprint History of security holder checks and 11714s Chemical Bank interface PTC interface IRS backup withholding Security holder register Edit security balance and share percentage Other Reporting Styles Interim Remittance Processing ACH transfer of funds Wire transfer Check Debit advice Pool level P/O remitting other than with cutoff A/A P/O interest on schedule/pools Remit: daily, weekly, specific date, end of month, before end of month, after end of month, based on specific tolerance amount Investor Transfers Service Release Transfers Various types Schedule for future date or process interactively Add message codes/comments Automatic letter generation Create data files for reports and submission 2006 Fair Isaac Corporation. All rights reserved. 6

9 Default Loan Management Produce delinquency notices, VA Notice of Default/Intent to Foreclose, HUD 60-day & exhibit letters, credit reporting, and more Customer Tracking System (CTS) User-defined collection codes Loan assignment to collectors via multiple selections and errors for unassigned loans First payment default Multiple borrowers tied together Detail and summary reports Collections contact exception Automatic clearing of collection items Auto queue status reports Repayment plan tracking Immediate access to critical information Ability to reassign collector queues Automatic queuing of loans, including FICO scores Credit Bureau Reporting Auto-update of CTS system Update and reprint prior to submission Listings by TRW status code Ability to suspend reporting Ability to include special comments (Fair Credit Reporting Act) Credit/Pay Habit Scoring FICO score and date Credit grade (loan and borrower level) Potential delinquency scoring 7 years of borrower history Early indicator and risk profile User-definable credit scores/dates HUD Single Family Default Monitoring System EDI TS264 Calculate FHA case number check list Maintenance and reprint of monthly and quarterly reports prior to media submission VA NOD/NOI and NODI Forms User-defined collection letters/delinquency notices Delinquency Reports Detail reports by: investor, pool, state, borrower, property location, collector due date, branch Summary reports by: branch, state, collector, property location Ability to print from month-end file and current data Deferred Late/NSF Charge Billing Flat amount Percent of total payment Percent of P&I Percent of UPB Daily rate at 360/365 Min/Max amounts and rates Mortgagor Financial Information Tracking Employment information Debt information Repayment arrangements Reason for default Additional Functions: Automated Branch Letters FHLMC EDR Reporting FNMA Delinquency Reporting FHA Pre-foreclosure Worksheet Predictive Dialer Extract Property Inspection Processing Senior/Junior Lien Tracking PMI Delinquency Reporting Forbearance Tracking and Reporting First Payment Default Tracking 2006 Fair Isaac Corporation. All rights reserved. 7

10 Cash Management/Accounting Transaction Processing Online real-time processing Manually or automatically post payments Validate amount of payments Factor payment into components Apply the components to the proper accounts Reconcile accounts to daily receipts Indicate the source of funds received Cash Management/Accounting Functions Draw processing Corporate advance/expense tracking Credit card processing Check processing Monthly payment and interest on corp. advances Pended items (rejects) One step payoff (Final PO) ACH (Borrower and Investor) Daily cash balancing Effective date posting Simple interest loans daily interest accrual Post dated check processing Automated remittance Corporate funds can break by Company Code Multi-company Processing Advances Disbursements Fees Pass-through payments Bank Location HUD 235 Loan Certification General Ledger Interface Reports for reject and balancing Detail or summary interface Exception based set up Re-run feature for rejections Cost center inclusion with debit/credit account Bank location number inclusion Banking Functions Daily automated escrow advance/recovery Daily automatic MBS pool P&I advance/recovery Daily/monthly banking activity reports Daily/monthly investor remittance Online monthly bank account reconciliation Corporate and investor disbursement sub-system ACH investor drafts/credits Daily bank transfer letters and deposit slips Monthly Interest Income Reporting/Accrued Interest Feed GL Multiple payment frequencies Whole portfolio or by investor Exception handling Curtailments Foreclosures Investor transfer in-out New loans Paid-in-full Payment/rate changes Stop/restart accrual GL feed/accrued interest daily/monthly Gross/net interest reporting Fee Billing Processing Automatic clearing of paid fees Automated assessment of 50+ fees Fee billing notice generation Fee assessment sorts Waive fees from customer tracking or via transaction processing (security controlled) Tracking of waived and paid late charges monthly, yearly and life of loan Additional Functions: FASB (122)-Portfolio Analysis FASB (91)-Loan Fee Accounting Processing OTS Schedule CMR (Boxes ) FDIC Reporting 2006 Fair Isaac Corporation. All rights reserved. 8

11 Escrow/Optional Insurance Management Escrow Features Escrow disbursements Identify accounts for which payment is due even when no bill has been received Escrow activity reports Minimize need to advance funds to escrow account Handle multiple records Produce required correspondence Process monthly PMI billing Tax service processing Insurance renewal tape processing Hazard loss management Flood determination Aggregate escrow analysis FHA MIP processing Outsourcing insurance Force Place insurance PMI cancellations Optional Insurance Flat amount, daily accrual Pre-paid Insurance User-defined insurance types Audit tape processing Disbursement tape processing Delinquent notice billing Mass cancellation notice billing Percentage of payment Various other reports Tax Service New Order, Termination Notification & Delinquent Tax Processing First American TransAmerica Others Reports and System Management Year-end Processing Annual statements and 1098s Abandonment/acquisition of property 1099A Interest on escrow 1099-INT Fiduciary income reporting 1099 miscellaneous Cancellation of dept 1099-C Tax ID Number Processing W-9 notice B-notice IRS tape Backing withholding TIN solicitation Management Reports Escrow advance analysis Portfolio analysis Trial balances Portfolio exception Audit file report Daily cash control totals Names and addresses Escrow overage listing Salomon Brothers Payoff quote reports Late charge and service fee income reports Paid-off loan reports Maturing loan reports Corporate advance reconciliation Loan exception reports Alternate master file listings Message code listings Escrow exception report Additional Functions: Generic Loan Interface VRU Interfaces Database Management Purge Processing User-defined System File Security Word Processing Report Writer 2006 Fair Isaac Corporation. All rights reserved. 9

12 Optional Features Fair Isaac offers many exciting optional features that can be used to further enhance and meet your servicing needs. These optional features can be purchased as needed. Current optional features include: Consumer Credit System (CCS Module) Information Transfer System (ITS Bridge) Loan Modification Originator Master Western Union Quick Collect Master Servicing Smart Lockbox (TRAN04) To service all types of loans on one platform mortgage and consumer Fair Isaac offers a Consumer Credit Module to properly service non-residential, revolving lines of credit including: HELOCs (Home Equity Lines of Credit) Unsecured Lines of Credit (Credit Cards, Checks) Automobile Loans & Leases The ITS Bridge Module can be used to bridge new loan data into the LSAMS application. A bridge can be created for an interface to an origination system(s) or can be used for acquisitions. The Loan Modification Module allows LSAMS system users to automatically produce loan modification agreements and to process the modification automatically. The Originator Master Module allows an LSAMS system user to track the performance of loans by originator or broker and to automatically create remittances based on holdbacks and loan performance. The Western Union Quick Collect Interface provides an automated format for posting Western Union Quick Collects. Processed like a lock box file, an electronic file is sent by Western Union to the lender. The Western Union lock box file contains biographical information on who purchased the Quick Collect. The LSAMS system creates a customer tracking note for the purchaser information. The Master Servicing feature tracks LSBOs (loans serviced by others). Loans are set up like loans being serviced by you, but are updated monthly using an electronic file sent from the servicer in the FNMA Laser format. To utilize the efficiencies of the LSAMS system s automated transaction processing and pre-defined posting hierarchies of Tran 04, the LSAMS system offers a Smart Lockbox. The Repayment Calculator is a loss mitigation tool developed for servicing companies, giving them the ability to create a plan to reinstate a delinquent account through a payment arrangement (Forbearance Plan). The borrower can arrange a payment plan with the servicer to repay the debt over a fixed period of time Fair Isaac Corporation. All rights reserved. 10

13 The LSAMS Customer Service Portal The LSAMS Customer Service Portal, an option available to LSAMS system users, offers mortgage customers 24/7 online access to all the information and functionality they need to manage their account. From the portal site, customers can access their current and historical loan information, make payments, request pay-off quotes, get answers to most frequently asked questions, and more. With this portal, customers simply enter the site through a secure logon/ password to access information on each account held with your company. Designed with the look and feel of your other online/offline communications tools, the portal site gives your customers everything they need to manage their accounts: Access to loan information The ability to perform transactions: for example, make a payment, or request a payoff statement A place to send messages from the site directly to customer service The portal collects and displays updates directly from the LSAMS application and can be hosted by your ISP of choice. Increased customer satisfaction and reduced costs The Customer Service Portal can help you improve customer retention, cost containment, revenue growth, agency ratings and more. You can use it to: Improve customer satisfaction. Give customers rapid access to the information they need to accelerate service and boost loyalty. Free up customer service reps to take calls on urgent matters that require personal interaction, so that when a customer does need to talk to someone within your company, they can get through faster. Increase revenues. With the portal site, you are connecting customers inquiries directly back into your LSAMS system, providing an opportunity to target your cross-sell opportunities in a one-on-one manner. Since the portal site also allows for 24/7 access, customers have the opportunity to pay bills in a timely manner without the lag time of paying through the mail. Lower operating costs. The portal helps to cut down customer wait time and the costs associated with handling the administrative tasks of loan management such as staffing expense, facilities costs and excessive customer use of toll-free numbers. The Portal also gives your customers the ability to customize the design of their own portals; a variety of features and functionalities in the My Accounts section; many options for managing their payments; security and privacy functionality; and a message center Fair Isaac Corporation. All rights reserved. 11

14 Fair Isaac s Mortgage Banking Software Solutions Diamond software system is a comprehensive web-based mortgage origination solution that streamlines the complete mortgage process, from point of sale, registration, product and pricing, and underwriting, though post-closing, including secondary marketing. FORTRACS software system is a solution for the management of loans in default. FORTRACS navigates the user through all the default processes, including loss mitigation and foreclosure processing, bankruptcy processing, claims processing and REO Management. All this is driven through a robust workflow management capability to drive efficiencies and productivity. LSAMS software system is a comprehensive servicing and investor accountability solution that enables users to service both consumer and mortgage loans on a single platform. TCL software system (The Construction Lender) is a comprehensive solution for construction lenders. TCL system manages the entire construction lending process including budgeting, disbursements, property inspections and document tracking. The ScoreNet network s LenStar service, an award-winning default management communications software, provides bi-directional integration with attorney case management systems for mortgage banking organizations and attorneys involved in the servicing of loans in foreclosure, bankruptcy and eviction. LenStar service is the most advanced default e-commerce platform in the mortgage industry Fair Isaac Corporation. All rights reserved. 12

15 ScoreNet network, the Fair Isaac E-services network Fair Isaac offers an e-services network for our software users. The ScoreNet network enables users to exchange information and request and process transactions via the internet. The network operates over secure connections automating many previously manual tasks to greatly benefit your business. The current services of the ScoreNet network include: Construction Lending Inspections Service Inspections PDA Application Fannie Mae CtoP Investor Accounting Origination Mortgage Credit Report Service Automated Underwriting Service Mortgage Insurance Service Flood Service Document Delivery Service Servicing & Default Management Mortgage Insurance Coupon Vendor Broker Price Opinion (BPO) service Automated Valuation Model (AVM) service Appraisals Imaging Property preservation Skip tracing Title insurance Inspections Attorney referral service (LenStar service) Hosted REO Management System Hosted BPO Management System Fair Isaac has formed relationships with many of the leading vendors in the mortgage arena, giving our customers access to a multitude of service providers. We are committed to continuing to expand not only our service offering, but also our service providers, to best meet the unique needs of the lending industry. For more information please visit Fair Isaac Corporation. All rights reserved. 13

16 Fair Isaac s Mortgage Banking Analytics and Decisioning Tools The mortgage value chain is highly specialized with a series of multiple processes, and Fair Isaac s analytics and decisioning tools enable scientific decisioning across the lender s enterprise. Integrated decisioning with existing workflows, external and partner systems are automated across sourcing, originations, and secondary marketing and servicing. Fair Isaac clients can: Increase cross-sell profitability Expand from single to multiple offer availability and evaluation. Move from judgmental to scientific selection of offers. Improve from manual to automatic delivery to POS. Increase loan premiums by 5-10 bps in the secondary market with improved pool creation by optimizing loan and pool-level objectives. Migrate from manual to automated bid pool creation. Employ a scientific process to place loans with investors. Set up a repeatable, high-quality process to optimize pool creation by balancing investor underwriting criteria, pricing and portfolio needs. Take advantage of integrated best execution for secondary marketing: Pull past history of loan sales to empirically determine pool creation strategies. Deploy strategies through an executable decision model to maximize premium for a given loan. Determine whether the best execution for the loan is portfolio or not. Improve ongoing execution by doing what-if and scenario analysis. Enhance portfolio profitability by retaining more customers via improved identification and treatment of churners. Migrate from passive to proactive retention strategies. Expand utilization of your servicing system from adata repository to a retention tool. Expand your servicing profitability strategy from pour more water into bucket to include plugging the hole in the bucket. Benefit from integrated customer retention for servicing: Pull customer and loan data subset from servicing system to analyze for patterns. Create loan-level prepayment propensity score (custom, pooled and expert models). Define optimum loan retention treatment based upon business rules, customer value calculation, customer default probability, etc. Select best channel to deliver retention treatment (low cost, best response). Batch deliver treatment assignment to call center, campaign management system, etc Fair Isaac Corporation. All rights reserved. 14

17 About Fair Isaac Fair Isaac Corporation (NYSE:FIC) makes decisions smarter. The company s solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes, and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions a year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector. Fair Isaac also helps millions of individuals manage their credit health through the website. Visit Fair Isaac online at Fair Isaac Corporation (NYSE:FIC) provides the leading solutions and technologies for Enterprise Decision Management, giving businesses worldwide the power to make smarter decisions. Corporate Headquarters: Offices Worldwide: 901 Marquette Avenue, Suite 3200 Australia, Brazil, Canada, India, Minneapolis, MN Japan, Malaysia, Singapore, Spain, from the US United Kingdom, United States from anywhere [email protected] Fair Isaac, Diamond, FICO, LSAMS, TCL, ScoreNet, LenStar, and It s just a smarter way to do business are trademarks or registered trademarks of Fair Isaac Corporation. Other product and company names herein may be trademarks of their respective owners Fair Isaac Corporation. All rights reserved. 1917WP 11/06 PDF