FICO 850 Combination Finally Unlocked: Public Service Presentation Links Scoring Factors with Perfection while Encouraging Consumer Perseverance and Success

SubscriberWise founder and USA Credit Captain David E. Howe continues to shape FICO and world financial history through educational and motivational bequest to fellow citizens

Credit Captain Howe's 2014 credit score disclosure notice from SunTrust Bank (Photo: Business Wire)

DENVER--()--SubscriberWise (, the nation’s largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced the publication of the most informative, instructive, and insightful FICO and credit video production ever presented to the U.S.A. and global adult credit consuming population.

The 30-minute in-depth presentation covers a general overview of the primary credit scoring factors correlated to simultaneous tri-bureau FICO 850 perfection at Equifax, Experian, and TransUnion.

Beyond the common sense talking points that are known to many, Credit Captain Howe goes far-beyond the self-proclaimed ‘credit experts’ and describes the granular details that consistently generate the highest possible credit scores across every known, and even little known, scoring models – educational, industry, and otherwise.

Related: This Guy Put Out a Press Release About Getting a Perfect Credit Score

The presentation evolved over a 3-year period and depicts Howe’s personal credit rankings in the 99th percentile and higher across industry and educational scoring models. In 2014, for example, SunTrust Bank mailed Howe a federally mandated ‘credit score disclosure notice’ informing him that “Your credit score ranks higher than 100 percent of U.S. consumers.” The notice also documented the existence of perfect 850 lender-based FICO scores.

Related: Man Achieves Perfect Credit Score, Issues Press Release

The presentation concludes with commentary from the Credit Captain asking consumers to constantly pursue the standard of excellence while also never agonizing over credit and recognizing there are always options.

Watch ‘The FICO Secret Sauce’ now on YouTube:

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About SubscriberWise

SubscriberWise® launched as the first issuing consumer reporting agency exclusively for the cable industry in 2006. The company filed extensive documentation and end-user agreements to access TransUnion’s consumer database. In 2009, SubscriberWise and TransUnion announced a joint marketing agreement for the benefit of America’s cable operators ( Today SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative.

SubscriberWise contributions to the communications industry are quantified in the billions of dollars annually.

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


David Howe, 330-880-4848 x137

Release Summary

SubscriberWise founder and the world's most successful credit scoring consumer, David Howe offers public service presentation to empower humanity.


David Howe, 330-880-4848 x137