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Will you have a low or a bad credit score score that you might want to repair? If so, then follow these 5 credit restoration ideas to fix your FICO score quickly. The first thing is to request a duplicate of one's credit report from each of the three main credit agencies... TransUnion, Experian, and Equifax. It is possible to contact the 3 by mail, telephone, or through the Internet. Your individual FICO score is founded on the data placed in your credit report, that contains past your past debts and repayments. Before you can begin fixing your credit history, you need to get a duplicate of your reports to find out in places you currently stand and just what must be done.