Howe Releases Confidential Reports Obtained at Fair Isaac Corporation, SubscriberWise Confirms

Full details from the only consumer credit reports to generate
simultaneous perfect scores at FICO and Vantage, as well as the highest
rankings in the worldwide history of computer scoring

the nation’s largest issuing CRA for the communications industry and the
leading protector of children victimized by identity fraud, announced
today the full release of company founder David
personal and confidential consumer credit reports from
Equifax, TransUnion, and Experian. The never-before published reports
were procured at Fair Isaac Corporation’s ‘myFICO’ (
consumer credit site and span a multi-year period.

The reports reflect the most successful and highest achieving consumer
credit reports ever scored in the worldwide history of financial and
banking underwriting since Alan Turning invented the computer age.
Moreover, the 850 FICO reports – with the credit profiles and
utilization documented – will generate relative exceptional rankings in
the 99th percentile and higher across every scoring model in
existence, offering further categorical proof that models are highly
consistent when data scored is also consistent.

Related: President
of SubscriberWise Responds to Consumer Reports

Except for redacted personally identifying and account information, the
comprehensive credit reports depict a number of different scoring
scenarios. The relatively common scoring scenarios include the impact of
a single hard (voluntary) inquiry – and the subsequent 3-point increase
after the removal of the inquiry a few days later. Also included are
reports that include accounts scored with and without balances indicated
(utilization), and a FICO Tri-Bureau report that unequivocally proves
the benefit of having a revolving account balance at the moment a score
is generated.

The Tri-Bureau report is offered specifically to end the question of
whether having a small balance reported at the moment a score is
generated will improve a FICO Score.

Related: SubscriberWise
Founder Howe Proves FICO Score Benefit from Carrying Balances while
Ending Misinformation Published by Bloomberg, NBC, and LA Times

According to the award-winning
risk management company
and nationwide Issuing Consumer Reporting
Agency, the company founder and global
Credit Czar
is providing the information as part of a bequest to the
citizens of the United States — and the world — for credit education
and empowerment.

The information is also provided for the overall public benefit and the
permanent historical record.

See the FICO 850 reports:

See the FICO inquiry reports

See the FICO utilization reports

See the FICO Tri-Bureau report

Related: FICO
Secret Sauce Revealed by US Credit Czar and FICO GOAT Howe

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