Have you got a low or poor credit score that you'd like to correct? If that's the case, then follow these 5 credit restoration ideas to fix your FICO score quickly. Pick is always to request a replica of your credit file from all the three main credit reporting agencies... TransUnion, Experian, and Equifax. You can easily contact the 3 by mail, telephone, or online. Your own FICO score is based on the data listed in your credit score, which contains past your past debts and repayments. Before you can begin restoring your credit history, you need a copy of one's reports to determine in which you currently stand and what has to be done.