SubscriberWise Founder Provides New Evidence of the Existence of Lender-Based Perfect Credit Scores after Receiving a Credit Score Disclosure Notice from SunTrust Bank

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SubscriberWise's David Howe obtains a credit score disclosure notice from SunTrust Bank that generated a perfect 850 credit score and a ranking higher than 100 percent of U.S. Consumers. The federally mandated notice followed Howe's application for an equity product and proves unequivocally the existence of perfect lender-based scores.

SubscriberWise's David E. Howe

Credit Expert and Author of “The Road to 850″ Al Bingham says he’s never seen a perfect FICO score.

SubscriberWise®, a leading provider of analytics-driven subscriber decision management technology and the nation's largest issuing consumer reporting agency for the communications industry, announced today that the company president has obtained a credit score disclosure notice from SunTrust Bank that included a perfect 850 lender-based credit score. The score was generated on credit bureau data from national repository Equifax. The credit score disclosure offers additional and undeniable evidence that mortgage and lender-based perfect credit scores are, in fact, attainable.

View the credit score disclosure from SunTrust:
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http://subscriberwise.com/fico850/SunTrust-2.jpg

"According to FICO, less than one percent of the scorable adult credit consuming population have a perfect credit score of 850 (FICO's 300 to 850 model)," said David Howe, president of SubscriberWise. "Credit Expert and Author of 'The Road to 850' Al Bingham says he’s never seen a perfect FICO score. Today, I submit additional evidence that lender-based perfect scores are a reality," Howe concluded.

In 2010, SubscriberWise announced its member operators had prospects who originated with perfect 850 credit scores: http://www.subscriberwise.com/Fico850.pdf .

About David Howe and SubscriberWise

David Howe is the highest achieving credit consumer in U.S. banking and financial history (at least since William Fair and Earl Isaac invented general-purpose credit scores more than a quarter-century ago). Howe intends to demystify consumer credit and credit scores for individuals everywhere by sharing his story and experiences. 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 simultaneous perfect FICO 850 scores across every national repository and simultaneous perfect Vantage scores at Equifax, Experian, and TransUnion - 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 near half-century 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 E. 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, Packerland Broadband, GTA Telegaum, 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 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. Howe was interviewed on the subject of perfect credit by BankRate.com and The Motley Fool and is the first and only citizen of the world to describe the details of perfect FICO and Vantage scores to U.S. reporters.

Howe produced and published two videos on the subject of perfect credit: FICO 850 Credit Report Facts and FICO Scores: The Facts.

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

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David Howe
SubscriberWise
+1 (330) 880-4848 Ext: 137
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since: 08/2012
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