FICO, acronym for Fair Isaac Corporation, looks into 5 credit reporting areas: credit history longevity, appraisal history of your credit record, liable amounts, type of credit used, and newly established credit accounts. One of the best ways to improve your credit score is to payclose attention to the above 5 critiacal areas in your credit history - found on your credit reports from Transunion, Equifax, and Experian.