Do you have a low or a bad credit score score that you'd like to correct? If that's the case, then follow these 5 credit repair tips to fix your FICO score quickly. The first thing is to request a duplicate of the credit file from each of the three main credit agencies... TransUnion, Experian, and Equifax. You can easily contact all three by mail, telephone, or on the web. Your own personal FICO score is based on the knowledge listed in your credit score, containing past your past debts and repayments. One which just begin restoring your credit score, you need to get a replica of your reports to determine in which you currently stand and what must be done.