A FICO score is determined by combining the scores of the three credit reporting bureaus. Those scores are determined by looking at an individuals available credit, history of bill payment and employment history. Raise a FICO score by paying bills on time and keeping the credit to debt ratio low withadvice from a registered financial consultant in this free video on personal finance and money management. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC