The Nation’s Highest Achieving Credit Consumer Avails Himself to U.S. Congresswoman Maxine Waters and the House Financial Service Committee

Share Article

SubscriberWise CEO David Howe is recognized today as the highest achieving credit consumer since the introduction of general purpose FICO scores nearly three decades ago. Howe is the only known individual to ever obtain and document simultaneous perfect FICO 850 scores across each of the national credit repositories: Experian, Equifax, and TransUnion.

Perfect and genuine FICO 850 scores at TransUnion, Equifax, and Experian

I've seen plenty of 850s in my day, but I've never seen someone have the same score across all three credit bureaus. That's actually more uncommon than a perfect score. John Ulzheimer, Credit Expert

SubscriberWise®, a leading provider of analytics driven subscriber decision management technology, announced today that the company president is offering his credit and policy guidance, suggestions, and expertise to Congresswoman Maxine Waters and the House Financial Service Committee.

“I would like to offer my knowledge and decades’ experience with consumer credit and credit scoring policies to U.S. Congresswoman Maxine Waters and the House Financial Service Committee as she and the committee members evolve the ‘Fair Credit Improvement Act of 2014’,” said David Howe, president of SubscriberWise. “I believe I’m in a very unique position to contribute to this discussion as a member of the adult credit consuming population, a seasoned credit and collections professional, and as the majority shareholder of SubscriberWise – the first U.S. issuing consumer reporting agency for the communications industry.

I’m also creditor and a de facto owner of the debts of MCTV ( – which is another way of stating my status as a first creditor,” indicated Howe. “I have nearly 20 years industry experience. MCTV is an Ohio based multiple system operator with annual sales in excess of $60 million dollars,” continued Howe. “As the company credit manager, I’m responsible for the bad debt and equipment losses for the entire enterprise which expands multiple counties and includes 47,000 subscribers. Specifically, I’m responsible for the company’s credit policy and its fair and unbiased application. And it’s a responsibility I take very seriously,” emphasized Howe. “To put it modestly, I have deep expertise on the subject of credit and my experience, knowledge, and information will dramatically benefit the Congresswoman and the committee.”

“Yes, I want the Congresswoman to know that I’m here and ready to provide an informed and educated voice to the proposed comprehensive reforms that she has unveiled,” continued Howe. “I want the committee members to know that I understand the impact of marginal credit and life events - just like virtually all citizens of this nation. I understand difficult circumstances and economic realities first-hand. And while I’m not immune from the challenges and struggles of everyday life, I can state with sincerity that my financial and credit successes are an undeniable testament of Fair Credit laws and other important federal regulations; regulations that I strongly and proudly support for me and my national consumer reporting company.

From my professional perspective and life experience, it’s a poignant and undisputed fact that few of us could succeed in this country and our nation’s economy would cease, but for the important laws that have evolved over a long and imperfect banking and credit history. Improving this process is a pursuit that I enthusiastically share and ardently want to be part of today.

Credit is crucial more than ever and the ability to redeem one’s credit must always be part of our nation’s laws and protections. But it’s also critical that creditors continue to rely on the information contained in consumer reports - and the proven and powerfully predictive credit scores generated with those reports. Creditors must know that information is empirically predictive, objective, accurate, and ultimately reflective of the risk that a consumer represents. Creditors and consumers must each depend on this system.

Knowledge and information about credit, including the credit scoring system in particular, is the key to economic success, opportunity, and upward mobility. Taking economic risks and not fearing financial ruin or failure, as well as lingering punitive indictment are all fundamental components of the nation’s credit and economic success,” argued Howe.

“I’m hopeful that Congresswoman Waters and the House Financial Service Committee will give me an opportunity to share my specific insight and experience. It will improve and benefit the ‘Fair Credit Improvement Act of 2014’, I’m highly confident of this. Always striving for improvement - and perhaps even perfection - is part of my core being,” concluded Howe. "I’m eager to get started.”

Howe recently announced the SubscriberWise Child Identity Protection Act: .

About David Howe and SubscriberWise

David Howe is perhaps the highest achieving credit consumer in U.S. banking and financial history (at least since general-purpose scores were first introduced a quarter-century ago). Howe intends to demystify consumer credit and credit scores for individuals everywhere by sharing his story and experiences with anyone who may be interested. Credit and credit scores impact many areas of one's financial life. Excellent credit offers rewards and opportunities; adverse credit limits choices and costs real money.

Hearing the facts about credit scores from the only citizen of the world - living or deceased - known to have achieved perfect FICO 850 scores across every national repository and a perfect 990 Vantage score - as well as having obtained rankings in the 100th percentile across virtually every scoring model on the market – is intended to empower and encourage consumers who may be struggling with their credit and eager to get back on their feet.

Pursuing perfect credit is hardly the point and it shouldn't become an obsession; rather it is the fact that it’s possible. It requires patience and extremely careful financial maneuvers over a very long period. And because no person can control life events, set-backs are inevitable. David Howe proves it’s attainable despite his own challenges and life events during his 47-year existence on planet earth. Howe has literally invested decades with countless hours and thousands of dollars pursuing and mastering personal credit and FICO scores in particular. The effort has paid off and has not gone unnoticed.

David Howe coined the term “community-made millionaire” (while dismissing any notion of “self-made”) and uses this to describe himself and his corporate and financial successes. It may be perceived by some as arrogant, but its purpose is to motivate anyone who is reaching for their goal(s)...whatever those goal(s) may be. Howe makes it a point to admonish any person who would sell another short for pursuing their personal goals and ambitions.

"My clothes may be funny, but they're making me the money!" - Liberace

Howe was and is unsuccessful at sports and athletics; he lamented his lack of physical prowess as a boy. But thanks to his family, his friends, his co-workers, his education, his continued interest in learning, culture, and travel - as well as an uncle and scholar of American jurisprudence - who mentored and motivated him constantly...Howe reached several of his personal goals.

But the bar is set high and there will always be an agenda and an ambition for David Howe.

Howe is the founder, president, and majority share-holder of SubscriberWise, the nation's first and largest issuing CRA for the communications industry. Over the past decade, Howe has been consulted by every leading communications operator in the country including Sprint, Time Warner, Mediacom, Metrocast, Atlantic Broadband, Armstrong, Antietam, Comporium, Grande, Cincinnati Bell, Cable ONE, Shentel, BendBroadband, NewWave Communications, USA Communications, and far too many others to include here. Howe’s passion with credit and risk management can be found everywhere in the industry today. Today SubscriberWise touches a U.S. consumer every minute of every hour of every day. In 2014, SubscriberWise was named winner in the CableFAX Tech Awards in the category of commercial software, among an incredibly competitive environment that was open to every MSO and tech vendor in North America.

SubscriberWise contributions to the communications industry are today quantified in the multiple tens of millions of dollars annually.

Despite being a dedicated and hard worker, Howe is a vagabond and minimalist who prefers to travel from city to city - on a whim - and at his sole discretion; rarely an agenda and often no place in particular. Howe is most contented with a simple existence, an eye on health and wellness, friends and family, warm and sunny climates, and - most especially - a morning coffee and an afternoon imbibe of red wine.

Howe holds an Associate and Bachelor of Arts degree from the College of Arts and Sciences at Kent State University with an academic focus in human behavior at the macro level, political science, and public administration. He is a member of Pi Gamma Mu, the country's oldest and preeminent honor society in the social sciences and Alpha Kappa Delta, the international sociology honor society. Howe was among the first professionals in the nation to obtain the FICO Professional Certification.

If David E. Howe can do it, then you can do it!

Share article on social media or email:

View article via:

Pdf Print

Contact Author

David E. Howe
+1 3308804848 Ext: 137
Email >
Follow >
Visit website