Have you got a low or bad credit score that you'd like to fix? In that case, then follow these 5 credit repair tips to fix your FICO score quickly. Pick is always to request a replica of the credit report from each of the three main credit agencies... TransUnion, Experian, and Equifax. It is simple to contact all three by mail, telephone, or online. Your own personal FICO score is based on the data indexed by your credit score, which contains a history of your past debts and repayments. Before you begin restoring your credit rating, you ought to get a duplicate of the reports to see in which you currently stand and just what must be done.