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Will you have a low or bad credit score that you'd like to repair? In that case, then follow these 5 credit improvement tips to fix your FICO score quickly. Pick is to request a copy of the credit report from each one of the three main credit bureaus... TransUnion, Experian, and Equifax. It is possible to contact the 3 by mail, telephone, or through the Internet. Your own FICO score is founded on the knowledge indexed by your credit track record, that contains previous your past debts and repayments. Before you begin fixing your credit rating, you need to get a replica of the reports to see where you currently stand and what needs to be done.