Question of the Day: Has Anyone Ever Gotten A Perfect Credit Score?

Funny you should ask.  I just saw this press release today with the unexpected headline of…”A First In Credit Scoring History.”  So, what happened on October 12th that had never happened before?

“..David Howe has obtained perfect Vantage scores at Equifax, Experian, and TransUnion. The scores were simultaneously generated on November 12, 2014, and follow perfect FICO 850 scores at each of the national repositories.

The perfect Vantage scores – mathematically confirmed and never before demonstrated – once again offer undeniable evidence that FICO and Vantage models are profoundly correlated when credit bureau data are consistent.

Credit Sesame’s John Ulzheimer, renowned financial literacy speaker and a U.S. nationally recognized credit and FICO expert — “That’s great David. Not only did you max out your scores but I think you did something else even more impressive. You were able to achieve the same score across all three credit bureaus. 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.”


Good opportunity to ask your students as to how you think he was able to achieve this.  We have a lesson on Building Your Credit that provides the answers.