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Do you have a low or poor credit score that you would like to repair? In that case, then follow these 5 credit improvement tips to fix your FICO score quickly. Your first step is always to request a replica of your credit report from each of the three main credit bureaus... TransUnion, Experian, and Equifax. It is possible to contact the 3 by mail, telephone, or through the Internet. Your own personal FICO score is based on the knowledge placed in your credit report, that contains a history of your past debts and repayments. Before you begin restoring your credit score, you need a replica of the reports to determine where you currently stand and what needs to be done.