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Will you have a low or bad credit score that you'd like to repair? If so, then follow these 5 credit repair tips to fix your FICO score quickly. The first thing is always to request a copy of one's credit report from each of 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 personal FICO score is based on the data placed in your credit score, that contains past your past debts and repayments. One which just begin fixing your credit rating, you need a duplicate of the reports to find out where you currently stand and what must be done.