The press release issued by the company on behalf of its owner says that less than 1% of the adult credit consuming population has achieved a "genuine" perfect score. In 2010 SubscriberWise conducted an analysis of perfect scores among its member population finding that less than 2/10ths of 1% of the "scorable" population had a perfect 850 FICO score.
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"In rare circumstances it is possible to get a FICO score of 850," former FICO public affairs director Craig Watts is quoted as saying. "That's the good news. Here's the bad: For a broad section of the population, it probably isn't possible, even if they do everything right."
The reason some people cannot achieve the lofty 850 is because there is not one set of criteria to calculate a credit score there are ten, according to Watts. In 2009 he told public radio's Marketplace that each "scorecard" gives different elements of a credit history a different weighting, depending on where you are in your economic life. If you are a college student or if you have declared a bankruptcy you are scored on that table of your peers. The highest score available for the cohort may not be anywhere near 850.