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Have you got a low or bad credit score that you'd like to fix? In that case, then follow these 5 credit improvement tips to fix your FICO score quickly. Your first step is always to request a replica of one's credit history from all the three main credit reporting agencies... TransUnion, Experian, and Equifax. It is simple to contact the 3 by mail, telephone, or through the Internet. Your own FICO score is based on the information listed in your credit report, containing past your past debts and repayments. Before you begin repairing your credit rating, you need a copy of one's reports to see where you currently stand and what must be done.