MSN - For many consumers, a perfect credit score is like a four-leaf clover. You know it exists. It’s just rare. The FICO credit score model ranges from a low of 300 to a high of 850. Just 1.5 percent of scorable U.S. consumers earn an 850 as of this past April, according to Ethan Dornhelm, vice president of scores and predictive analytics at FICO.