You would need to have the perfect storm of credit utilization (probably zero balances with very high credit limits), a long spotless credit history, and no negative marks on your credit report, which is nearly impossible. (simplethriftyliving.com)
To attain the score, you must have the perfect blend of spotless credit history, credit utilization and zero negative marks on credit report — which is not practical. (creditrepairreview.com)
You likely have an almost spotless credit history and an above average income. (lendedu.com)