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Do you have a low or bad credit score that you might want to repair? If that's the case, then follow these 5 credit restoration ideas to fix your FICO score quickly. Your first step would be to request a copy of the credit report from each of the three main credit agencies... TransUnion, Experian, and Equifax. It is simple to contact the 3 by mail, telephone, or through the Internet. Your own FICO score is dependant on the knowledge placed in your credit score, containing previous your past debts and repayments. Before you can begin restoring your credit score, you need a duplicate of your reports to find out in which you currently stand along with what has to be done.