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Do you have a low or bad credit score that you would like to fix? If so, then follow these 5 credit restoration ideas to fix your FICO score quickly. Your first step is always to request a replica of one's credit file from each one of the three main credit reporting agencies... TransUnion, Experian, and Equifax. It is simple to contact the three by mail, telephone, or on the web. Your own FICO score is based on the knowledge listed in your credit track record, which contains previous your past debts and repayments. One which just begin restoring your credit history, you need a replica of the reports to find out where you currently stand and what must be done.