Do you have a low or a bad credit score score that you might want to repair? If that's the case, then follow these 5 credit restoration ideas to fix your FICO score quickly. Your first step is to request a copy of one's credit file from each one of the three main credit reporting agencies... TransUnion, Experian, and Equifax. You can easily contact all three by mail, telephone, or on the web. Your own FICO score is based on the information placed in your credit score, containing previous your past debts and repayments. One which just begin restoring your credit score, you need a replica of one's reports to see in places you currently stand along with what must be done.