Do you have a low or bad credit score that you'd like to repair? In that case, then follow these 5 credit restoration tips to fix your FICO score quickly. The first thing is to request a duplicate of one's credit file from each of the three main credit bureaus... TransUnion, Experian, and Equifax. It is simple to contact the 3 by mail, telephone, or online. Your individual FICO score is based on the data placed in your credit score, that contains past your past debts and repayments. Before you can begin fixing your credit history, you ought to get a duplicate of one's reports to find out in places you currently stand and just what has to be done.