Matt, while the FICO 800-850 is generally listed as 13%, my recent EQ report says that "A score of 801 is better than 90% of U.S. consumers". As 3% with exactly 800 is unlikely, maybe the distribution has simply changed over time. Still, it's my impression that a polarization has taken place during these years of recession, so maybe the FICO distribution isn't based solely on EQ. 
@Anonymous-own-fico wrote:Matt, while the FICO 800-850 is generally listed as 13%, my recent EQ report says that "A score of 801 is better than 90% of U.S. consumers". As 3% with exactly 800 is unlikely, maybe the distribution has simply changed over time. Still, it's my impression that a polarization has taken place during these years of recession, so maybe the FICO distribution isn't based solely on EQ.
Possibly the Great Recession has changed the score distribution! Just now I re-checked both the URLs cited as sources for my table, and while the FICO document is unchanged from what I used, I notice the Experian percentiles are now slightly different. For instance that Experian page now says a score of 900 is higher than 84% of US consumers, where my table says 89% are 900 or less.
I'm gonna add a link to this posting to my table!
