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Will you have a low or poor credit score that you'd like to repair? If that's the case, then follow these 5 credit improvement suggestions to fix your FICO score quickly. Your first step is to request a copy of one's credit history from each one of the three main credit reporting agencies... TransUnion, Experian, and Equifax. You can easily contact the three by mail, telephone, or on the web. Your own personal FICO score is dependant on the data listed in your credit report, which contains past your past debts and repayments. One which just begin repairing your credit rating, you need to get a copy of the reports to determine in places you currently stand and just what must be done.