Perfect FICO 850 Credit Scores, the Facts and Details from the President of SubscriberWise

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SubscriberWise video details Equifax, Experian, and TransUnion credit report data which generated rankings in the 100th percentile. The TransUnion credit bureau data displayed in the video generated two perfect lender-based FICO 850's and a consumer-based 990 Vantage credit score.

SubscriberWise president and founder David E. Howe proudly displays award at Yale Club in New York City, March 2014. SubscriberWise was named winner in the category of commercial software.

Credit Expert John Ulzheimer, President of Consumer Education at : And while I’ve never seen a verified example of someone with FICO 850, we’re certainly getting closer to perfection than we are to utter disaster.

SubscriberWise®, the leading provider of analytics-driven subscriber risk management technology, announced today that the company president has produced a YouTube video ( that describes many of his personal credit details which generated perfect FICO 850 scores - including lender-based 850 FICO scores - and a perfect 990 Vantage score.

The 43 minute video provides an in-depth review of Howe’s personal credit reports, among other talking points. In the video, Howe responds with skepticism to advice presented by Consumer Reports as it relates to lender-based scores vs. consumer-based scores and whether there’s value in purchasing consumer credit scores. Howe also takes issue with Dave Ramsey on his assertion that FICO is an “I love debt score.” Howe attempts to offer genuine insight and specific advice that he hopes will benefit the U.S. adult credit consuming population. Howe explains why consumers should seek the maximum credit score possible.

Howe, who has obtained FICO Professional Certification, explains in the video how consumers in the market for an auto loan can immediately maximize their credit score by strategically using money from their down-payment.

Howe founded SubscriberWise® in 2006. The company became the first U.S. issuing consumer reporting agency approved by TransUnion to sell consumer credit information to the cable industry.

Over the past decade, Howe has been consulted by nearly every leading communications operator in the country including Sprint, Time Warner, Mediacom, Metrocast, Atlantic Broadband, Armstrong, Antietam, Comporium, Grande, Cincinnati Bell, BendBroadband, NPG, NewWave, GTA Teleguam, Cable ONE, Shentel, Bright House, and many others. Howe’s unbridled passion and demonstrated expertise with credit and risk management can be found everywhere in the industry today.

“From my professional perspective it’s time to raise the bar on the subject of consumer credit and scores,” Howe stated. “Consumers must understand their own credit at a granular level. They should understand at a basic level how business rules and decision management technology impact their lives in ways they may never have imagined. They must understand specific factors that impact their scores, even if the impacts are minimal (fact: a credit report that contains revolving credit card accounts but has no reported revolving balance when the score is calculated can lower a score by 25 points or more).

Consumers must know that FICO, Equifax, TransUnion, Experian, and SubscriberWise do not own the predictive factors; they simply identify and refine those factors to add precision to their scoring algorithms. Consumers must understand that no organization and no human being will ever own what is ultimately predictive. Young adults obtaining credit for the first time should also be empowered with this knowledge and information and I plan to continue sharing what I’ve learned with them.”

"David Howe has shared with me such good advice and information on how the credit scoring system works and how to make good decisions to help me keep my credit score optimal," said Christopher Dewald, customer support representative for MCTV and 6-year colleague with Howe. "I feel that education on personal finances and credit is lacking with many younger people and I am glad I've had my conversations with David."

“Credit scores are critically important,” continued Howe. “They impact and control our financial lives. Credit can determine if you can rent a car at the airport, get and maintain a job, obtain the most favorable insurance rates, how much deposit you may pay for phone and cable, or whether you’re able to rent an apartment.

“Credit is not a game but people who don’t play lose,” stated Howe.

“As an experienced credit manager, I argue that every consumer should seek the highest possible credit score and pursue the maximum point-buffer to ensure the most favorable terms and opportunities while navigating life’s financial events. Consumers struggling with difficult financial situations should also focus careful attention on their credit. Everyone should understand that credit can be redeemed no matter the situation or life event. No one should agonize over their credit. There are always options.”

About SubscriberWise (

By incorporating years of communications performance data and decision models, including FICO's latest analytic technology (FICO 8 Score), SubscriberWise® delivers unprecedented predictive power with a fully compliant, score driven decision management system. In 2009, SubscriberWise and TransUnion announced a joint marketing agreement for the benefit of America’s independent cable operators ( SubscriberWise is a preferred solutions provider in risk management for the National Cable Television Cooperative.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co.

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David E. Howe
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