What Do FICO Superheroes Have in Common?

Every year billions of FICO® scores are calculated for the purposes of making lending and insurance decisions. Until now we never really had a crystal clear understanding of the similarities among consumers with the most elite scores of 760 and above: the so-called “FICO High Achievers.”  With some help from the folks at, the consumer division of FICO, we now have a clear picture of the traits shared by the best of the best.  And with some help from the folks at, we now have a visual representation of the anatomy of these FICO superheroes.

Data compiled by John Ulzheimer of