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Do you have a low or poor credit score that you'd like to repair? In that case, then follow these 5 credit repair ideas to fix your FICO score quickly. The first thing would be to request a copy of your credit file from all the three main credit agencies... TransUnion, Experian, and Equifax. It is simple to contact the three by mail, telephone, or online. Your own personal FICO score is based on the information placed in your credit track record, which contains previous your past debts and repayments. Before you can begin restoring your credit history, you ought to get a duplicate of one's reports to find out in which you currently stand along with what has to be done.