SAN FRANCISCO -- Shares of Fair Isaac spiked Wednesday, following a solid earnings report Tuesday.

The stock was recently up $3.41, or 10%, to $37.46 in recent trading.

CEO Mark Greene said Tuesday that the company's direct-to-consumer credit services,, grew 18% year over year during the quarter.

The company also said it hasn't experienced a revenue decline from a downturn in the mortgage markets. Mortgage-related business makes up 5% to 10% of its revenue, and the focus on subprime may actually have driven more companies to use Fair Isaac's credit products and services, Greene said.

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In addition, turmoil among financial services companies hasn't affected Fair Isaac. In this sector, "many of our clients doubled down if they have worries about where they can afford to spend on technology," Greene said. "We are not seeing the kind of weakness in pipelines and market conditions" reported by some tech companies, he added.

Fair Isaac forecast 3% organic revenue growth for 2008. "There is the opportunity for selected acquisitions on top of that, and indeed we are looking at a few" niche acquisitions, Greene said.