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Will you have a low or poor credit score that you might want to fix? If that's the case, then follow these 5 credit improvement ideas to fix your FICO score quickly. The first thing is to request a copy of the credit report from each of the three main credit reporting agencies... TransUnion, Experian, and Equifax. It is possible to contact all three by mail, telephone, or on the web. Your own personal FICO score is founded on the information indexed by your credit track record, which contains a history of your past debts and repayments. Before you can begin restoring your credit history, you ought to get a replica of the reports to see in places you currently stand and just what has to be done.