Meet the Man with a Near-Perfect Credit Score


The median FICO credit score is 723, and a perfect score -- 850 -- is virtually impossible to achieve, according to experts. So how did Tom Pavelka of Westlake, Ohio, end up with a score of 848?

To hear Pavelka tell it, his extraordinary rating -- which, according to a letter from the credit bureau, "ranks higher than 100 percent of U.S. consumers" -- is not the result of a conscious fixation on good credit. He told the Cleveland Plain Dealer "he can't remember the last time he checked [his score] or what it was then." Pavelka, an enthusiastic hunter, was alerted to his remarkable status after applying for a credit card at a Bass Pro Shop outside of Toledo.

"I like to spend money," said Pavelka, who denies being frugal and has indulged an affection for fancy cars and nice restaurants (having no children helps). "I just do it wisely."

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Just applied for a airline credit card, that was issued by the Bank I deal with. I was approved and received a letter from my Bank that my credit score is 850. It also says that it is higher than 100% of U.S. consumers. So how does this guy with an 848 score get such headlines?

October 30 2012 at 10:23 AM Report abuse rate up rate down Reply

My credit score is in the toilet. My years of out of control reckless irresponsible spending has actually put the whole countries credit score in the toilet darlings.

October 28 2012 at 12:29 PM Report abuse +2 rate up rate down Reply

Hildy, Your score was based on the Vantage score system, which goes up to 990. This Article references a credit score based on the FICO System, which only goes to 850. In such a your 884 score is still not as good as this man's. Sorry to burst your bubble

October 27 2012 at 12:45 AM Report abuse +1 rate up rate down Reply

My credit score is 884. The last time I checked was last year.
Would you please mention that on the media.
Thank you,
H. Saiia

October 26 2012 at 4:22 PM Report abuse +1 rate up rate down Reply