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A FICO score is produced by evaluating five categories of information in the credit report, then comparing that information to patterns in previous reports.
1. Amounts owed: (30%)
They are looking for large outstanding balances -- and the ratio of balances to credit limits.
2. Payment history: (35%)
Looking at delinquenicies,how recent, how severe and how frequent.
3. Length of credit history: (15%)
Age of the oldest account and the average age of all accounts.
4. Types of credit / mix of credit (10%)
Includes retail credit cards, department store cards, installment loans, bank cards, and others.
5. New credit lines: (10%)
Looking at the number of recent inquiries and new account openings.

Are you sure your five categories of information are correct?