What is the difference between a Fico and Fica Score?

"1. What is this thing called a FICA score?"

It's a FICO score, not FICA.

It's short for Fair Isaacs & Co, the place that started it.

Here's a link explaining it:

http://www.mtg-net.com/sfaq/faq/fico.htm

And a link to FICO itself where you can order your score and credit reports:

http://www.myfico.com/Products/FICOThree/Description.aspx?fire=10

clarence writes: how can i get my credit score up from 500?

Anonymous writes: Never pay your bills late, never use more than 50% of your total capacity on your cards, If you want a quick boost on your credit score, find someone with good credit that you trust and have them add you to their accounts. This will help big time.