Will you have a low or bad credit score that you might want to repair? If that's the case, then follow these 5 credit repair suggestions to fix your FICO score quickly. Your first step is to request a duplicate of the credit history from all the three main credit bureaus... TransUnion, Experian, and Equifax. It is simple to contact all three by mail, telephone, or online. Your own FICO score is based on the data placed in your credit score, which contains previous your past debts and repayments. Before you can begin restoring your credit score, you need to get a replica of your reports to see where you currently stand and what must be done.