Your credit report is generated by three major companies - Experian, Equifax, and TransUnion - and includes information on how much you owe to various companies, your payment history, and other financial obligations like utilities, medical bills, and rent. Your FICO credit score ranges from 760 for excellent credit down to 620 for poor credit, with the largest factors being payment history (35%), amounts owed (30%), credit history length (15%), new credit (10%), and credit types (10%). To improve your score, you should pay all bills on time, avoid opening multiple new accounts unless needed, keep credit balances low at less than 25% of the credit limit, and review your credit report yearly.