David Howe is likely the highest achieving credit consumer in U.S. history (since general-purpose scores were first introduced a quarter-century ago). Howe intends to demystify credit scores for individuals everywhere by sharing his story and experiences with anyone who may be interested. Credit and credit scores impact many areas of one's financial life. Excellent credit offers rewards and opportunities; adverse credit limits choices and costs real money. Hearing the facts about credit scores from the only citizen of the world - living or deceased - known to have achieved both a perfect FICO 850 score and a perfect 990 Vantage score - as well as having obtained rankings in the 99.50 percentile across virtually every model on the market - will empower and encourage consumers who may be struggling with their credit and eager to get back on their feet. Pursuing perfect credit is hardly the point and it shouldn't become an obsession; rather it is the fact that it’s possible. It requires patience and careful financial maneuvers. And because no person can control life events, set-backs are inevitable. David Howe proves its attainable despite his own challenges and life events during his 47-year existence on planet earth. David Howe coined the term “community-made millionaire” (while dismissing any notion of “self-made”) and uses this to describe himself and his corporate and financial success. It may be perceived by some as arrogant, but its purpose is to motivate anyone who is reaching for their goal(s)...whatever those goal(s) may be. Howe makes it a point to admonish any person who would sell another short for pursuing their personal goals and ambitions. Howe was unsuccessful at sports and athletics; he lamented his lack of physical prowess as a kid. But thanks to his family, his education, his continued interest in learning, culture, and travel - as well as an uncle who mentored and motivated him constantly - Howe reached several of his personal goals. But the bar is set high and there will always be an agenda and an ambition. Howe is the founder, president, and majority share-holder of SubscriberWise, the nation's first and largest issuing CRA for the communications industry. Over the past decade, Howe has been consulted by every leading communications operator in the country including Sprint, Time Warner, Mediacom, Metrocast, Atlantic Broadband, Armstrong, Antietam, Comporium, Grande, Cincinnati Bell, Cable ONE, Shentel, and many others. Howe’s passion with credit and risk management can be found everywhere in the industry today. SubscriberWise contributions to the communications industry are today quantified in the multiple tens of millions of dollars annually. Despite being a dedicated worker, Howe is a vagabond and minimalist who travels from city to city - on a whim - and at his sole discretion; rarely an agenda and often no place in particular. If Howe can do it, you can do it!

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Perfect FICO 850 Credit Scores, the Facts and Details from the President of
SubscriberWise
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.
Massillon, OH (PRWEB) May 14, 2014 -- SubscriberWise®, the leading provider of analytics-driven
subscriber risk management technology, announced today that the company president has produced a YouTube
video (http://youtu.be/4sny-172p9Q) 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.”

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"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 (www.subscriberwise.com)
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 (
http://www.subscriberwise.com/TransUnionJointMarketing.pdf). 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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Contact Information
David E. Howe
SubscriberWise
http://www.subscriberwise.com
+1 3308804848 Ext: 137
Online Web 2.0 Version
You can read the online version of this press release here.