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Do you have a low or poor credit score that you would like to repair? If so, then follow these 5 credit improvement tips to fix your FICO score quickly. Your first step is to request a replica of the credit file from all the three main credit bureaus... TransUnion, Experian, and Equifax. It is possible to contact all three by mail, telephone, or on the web. Your own personal FICO score is dependant on the data placed in your credit track record, which contains previous your past debts and repayments. Before you can begin repairing your credit rating, you need to get a copy of the reports to see where you currently stand along with what needs to be done.