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Do you have a low or poor credit score that you'd like to repair? If that's the case, then follow these 5 credit restoration ideas to fix your FICO score quickly. The first thing is always to request a copy of the credit file from each one of the three main credit agencies... TransUnion, Experian, and Equifax. It is simple to contact the three by mail, telephone, or on the web. Your individual FICO score is dependant on the data placed in your credit track record, that contains past your past debts and repayments. One which just begin fixing your credit history, you need to get a copy of the reports to see in places you currently stand along with what needs to be done.