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Do you have a low or poor credit score that you'd like to fix? In that case, then follow these 5 credit improvement suggestions to fix your FICO score quickly. Pick is always to request a duplicate of one's credit file from all the three main credit bureaus... TransUnion, Experian, and Equifax. You can easily contact all three by mail, telephone, or online. Your own personal FICO score is founded on the knowledge listed in your credit score, containing past your past debts and repayments. Before you can begin restoring your credit history, you need to get a replica of the reports to see where you currently stand along with what needs to be done.