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Have you got a low or poor credit score that you'd like to fix? If that's the case, then follow these 5 credit improvement ideas to fix your FICO score quickly. Your first step is to request a duplicate of the credit file from each one of the three main credit agencies... TransUnion, Experian, and Equifax. It is possible to contact the three by mail, telephone, or online. Your own FICO score is based on the data listed in your credit track record, which contains past your past debts and repayments. One which just begin fixing your credit history, you need to get a duplicate of the reports to find out where you currently stand along with what has to be done.