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Do you have a low or bad credit score that you might want to fix? If so, then follow these 5 credit improvement ideas to fix your FICO score quickly. The first thing is always 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 the three by mail, telephone, or online. Your individual FICO score is founded on the data placed in your credit report, which contains past your past debts and repayments. Before you can begin repairing your credit history, you need to get a duplicate of your reports to see in places you currently stand along with what must be done.