The most widely used brand of credit score, created by the Fair Isaac Corporation.
The FICO score is the credit score model most lenders rely on, especially for mortgages. It weighs payment history most heavily (about 35%) and credit utilization next (about 30%), with the remainder from length of history, new credit, and credit mix. VantageScore is a competing model that uses similar inputs but can produce a different number.
Paying every bill on time and keeping balances low are the two fastest ways to raise a FICO score.