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

Nov 13, 2014
Credit Scores, Question of the Day, Current Events

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.

About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

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