Do you have a low or poor credit score that you'd like to repair? In that case, then follow these 5 credit improvement ideas to fix your FICO score quickly. The first thing is always to request a replica of your credit history from each one of the three main credit reporting agencies... TransUnion, Experian, and Equifax. It is possible to contact the three by mail, telephone, or through the Internet. Your own personal FICO score is based on the knowledge placed in your credit report, containing previous your past debts and repayments. Before you can begin restoring your credit rating, you need to get a copy of one's reports to find out where you currently stand along with what has to be done.