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Have you got a low or a bad credit score score that you'd like to repair? If that's the case, then follow these 5 credit improvement tips to fix your FICO score quickly. Your first step is always to request a copy of your credit report from each one of the three main credit bureaus... TransUnion, Experian, and Equifax. It is possible to contact all three by mail, telephone, or online. Your own personal FICO score is dependant on the data listed in your credit track record, which contains past your past debts and repayments. Before you can begin fixing your credit score, you need a duplicate of your reports to find out in places you currently stand and what must be done.