How can I improve my credit score

What is FICO score

Negative information oon my credit report

Credit scores are calculated by using scoring models and mathematical tables that assign points for different
pieces of information which best predict future credit performance. Developing these models involves studying
how thousands, even millions, of people have used credit. Score-model developers find predictive factors in the
data that have proven to indicate future credit performance. Models can be developed from different sources of
data. Credit-bureau models are developed from information in consumer credit-bureau reports.

Credit scores analyze a borrower's credit history considering numerous factors such as:
Late payments
The amount of time credit has been established
The amount of credit used versus the amount of credit available
Length of time at present residence
Negative credit information such as bankruptcies, charge-offs, collections, etc.
There are really three FICO scores computed by data provided by each of the three bureaus--Experian, Trans
Union and Equifax. Some lenders use one of these three scores, while other lenders may use the middle score.