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Do you have a low or bad credit score that you might want to repair? If so, then follow these 5 credit restoration tips to fix your FICO score quickly. Your first step would be to request a duplicate of your credit file from each one of the three main credit bureaus... TransUnion, Experian, and Equifax. It is possible to contact the three by mail, telephone, or through the Internet. Your own personal FICO score is founded on the information indexed by your credit track record, that contains previous your past debts and repayments. Before you can begin repairing your credit rating, you need to get a replica of your reports to determine in which you currently stand and what needs to be done.