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Have you got a low or bad credit score that you might want to fix? If so, then follow these 5 credit improvement suggestions to fix your FICO score quickly. Your first step is to request a copy of the credit history from each of the three main credit bureaus... TransUnion, Experian, and Equifax. You can easily contact all three by mail, telephone, or on the web. Your own FICO score is based on the information listed in your credit score, containing previous your past debts and repayments. Before you can begin restoring your credit score, you need to get a copy of the reports to find out in which you currently stand and what has to be done.